BlastPoint's Credit Union Scorecard

L G & W

Charter #3796 · TN

100M-500M

1070 CUs in 100M-500M nationally 25 in TN

L G & W has 4 strengths but faces 5 concerns

National Analysis

How does the industry compare?

TN Analysis

How does TN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ ROA 0.69% above tier average
+ Net Worth Ratio: Top 2.4% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 50.0% in tier
- Total Loans: Bottom 1.6% in tier
- Loan-to-Share Ratio: Bottom 2.7% in tier
- Total Members: Bottom 5.4% in tier
- Total Deposits: Bottom 5.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Members	5,707 +0.5% YoY-0.0% QoQ	-9.4K	15,145 -2.5% YoY	21,412 +3.7% YoY	33,913 +5.7% YoY	Bottom 5.3% in tier
Assets	$116.2M +3.6% YoY+3.3% QoQ	$-115.5M	$231.7M +0.8% YoY	$379.6M +8.7% YoY	$578.3M +9.0% YoY	Bottom 10.7% in tier
Loans	$32.4M -1.1% YoY-2.7% QoQ	$-111.8M	$144.1M +0.2% YoY	$279.0M +7.7% YoY	$402.4M +8.7% YoY	Bottom 1.5% in tier
Deposits	$92.5M +2.9% YoY+3.8% QoQ	$-108.6M	$201.1M +0.4% YoY	$319.1M +8.0% YoY	$494.3M +9.1% YoY	Bottom 5.5% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.4% +2.2% YoY+68.2% QoQ	+0.7%	0.7% +5.1% YoY	0.6% -5.0% YoY	0.4% -39.2% YoY	Top 13.1% in tier
NIM	3.5% +4.0% YoY+13.0% QoQ	-0.2%	3.6% +4.6% YoY	3.9% +5.1% YoY	3.8% +4.1% YoY	41%
Efficiency Ratio	64.8% -6.0% YoY-14.3% QoQ	-13.3%	78.0% -1.7% YoY	79.6% +1.7% YoY	84.6% +2.8% YoY	Top 14.7% in tier
Delinquency Rate	0.5% -30.9% YoY+46.6% QoQ	-0.3	0.8% +7.1% YoY	0.9% -14.5% YoY	1.2% +3.4% YoY	39%
Loan To Share	35.0% -3.9% YoY-6.3% QoQ	-35.4%	70.4% -0.4% YoY	68.3% -1.5% YoY	65.6% -1.4% YoY	Bottom 2.6% in tier
AMR	$21,882 +1.3% YoY+2.1% QoQ	$-3K	$24,918 +2.7% YoY	$18,957 +3.0% YoY	$19,920 +1.6% YoY	44%
CD Concentration	19.9% +5.3% YoY+0.5% QoQ	-4.3%	24.3%	22.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	6.8%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#229 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.51%

(Tier: 0.72%, National: 10.19%)

but worse than tier avg

Return on Assets: 1.42%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth

#370 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.51%

(Tier: 0.72%, National: 10.19%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Concerns (1)

Liquidity Overhang

risk

#7 of 126 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 21.22%

(Tier: 11.91%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 34.98%

(Tier: 72.31%, National: 65.58%)

worse than tier avg

126 of 1070 Mid-Small & Community CUs have this signature | 143 nationally

↑ Growing +19 CUs YoY

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Net Worth Ratio

risk

Value: 21.22%

Peer Median: 11.45%

#27 of 1070 Top 2.4% in 100M-500M tier

140

Return on Assets (ROA)

profitability

Value: 1.42%

Peer Median: 0.69%

#140 of 1070 Top 13.0% in 100M-500M tier

158

Efficiency Ratio

profitability

Value: 64.77%

Peer Median: 78.68%

#158 of 1070 Top 14.7% in 100M-500M tier

198

Members Per Employee (MPE)

engagement

Value: 407.643

Peer Median: 309.176

#198 of 1070 Top 18.4% in 100M-500M tier

Top Weaknesses (6 metrics)

1054

Total Loans

balance_sheet

Value: $32.36M

Peer Median: $121.41M

#1054 of 1070 Bottom 1.6% in 100M-500M tier

1042

Loan-to-Share Ratio

balance_sheet

Value: 34.98%

Peer Median: 71.88%

#1042 of 1070 Bottom 2.7% in 100M-500M tier

1013

Total Members

engagement

Value: 5,707

Peer Median: 13,200

#1013 of 1070 Bottom 5.4% in 100M-500M tier

1011

Total Deposits

balance_sheet

Value: $92.52M

Peer Median: $171.29M

#1011 of 1070 Bottom 5.6% in 100M-500M tier

955

Total Assets

balance_sheet

Value: $116.20M

Peer Median: $196.57M

#955 of 1070 Bottom 10.8% in 100M-500M tier

951

Loan-to-Member Ratio (LMR)

engagement

Value: $5,670

Peer Median: $9,356

#951 of 1070 Bottom 11.2% in 100M-500M tier