BlastPoint's Credit Union Scorecard
L G & W
Charter #3796 · TN
L G & W has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.43% 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 2.9% in tier
- - Total Deposits: Bottom 4.1% in tier
- - Total Members: Bottom 5.3% in tier
- - Total Assets: Bottom 9.9% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 25 that size in Tennessee.
- Shares and deposits +2.9% year over year ($91.0M in shares and deposits).
- Membership: 5,714 members, -0.2% vs a year ago.
- Delinquency rate 0.32%.
- Return on assets 1.29%.
- Efficiency ratio 65.31% vs a 76.73% peer average.
- Loan-to-share ratio 34.95% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,714
-0.2% YoY+0.1% QoQ
|
-9.5K |
15,168
-2.6% YoY
|
22,058
+4.8% YoY
|
34,678
+6.6% YoY
|
Bottom 5.2% in tier |
| Assets |
$115.1M
+3.5% YoY-0.9% QoQ
|
$-116.9M |
$232.0M
+0.7% YoY
|
$390.3M
+9.5% YoY
|
$593.1M
+10.2% YoY
|
Bottom 9.8% in tier |
| Loans |
$31.8M
-2.5% YoY-1.8% QoQ
|
$-114.5M |
$146.3M
+0.2% YoY
|
$289.3M
+8.5% YoY
|
$418.6M
+10.1% YoY
|
Bottom 1.5% in tier |
| Deposits |
$91.0M
+2.9% YoY-1.7% QoQ
|
$-109.7M |
$200.7M
+0.2% YoY
|
$326.4M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
Bottom 4.0% in tier |
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| ROA |
1.3%
-3.1% YoY-9.0% QoQ
|
+0.4% |
0.9%
+12.5% YoY
|
1.1%
+46.9% YoY
|
1.2%
+121.4% YoY
|
80% |
| NIM |
3.5%
+3.1% YoY+1.9% QoQ
|
-0.1% |
3.7%
+4.5% YoY
|
3.9%
+2.1% YoY
|
3.8%
+2.3% YoY
|
42% |
| Efficiency Ratio |
65.3%
-1.8% YoY+0.8% QoQ
|
-11.4% |
76.7%
-0.8% YoY
|
78.9%
+2.6% YoY
|
83.0%
-5.3% YoY
|
16% |
| Delinquency Rate |
0.3%
-36.1% YoY-33.7% QoQ
|
-0.6 |
0.9%
+6.6% YoY
|
1.1%
-1.7% YoY
|
1.3%
+2.6% YoY
|
20% |
| Loan To Share |
34.9%
-5.3% YoY-0.1% QoQ
|
-36.6% |
71.5%
-0.3% YoY
|
68.7%
-1.7% YoY
|
66.4%
-1.4% YoY
|
Bottom 2.8% in tier |
| AMR |
$21,485
+1.6% YoY-1.8% QoQ
|
$-4K |
$25,107
+3.2% YoY
|
$19,228
+3.5% YoY
|
$20,028
-0.9% YoY
|
41% |
| CD Concentration |
21.5%
+7.7% YoY+7.7% QoQ
|
-3.1% | 24.6% | 22.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.8% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (1)
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)