BlastPoint's Credit Union Scorecard

L G & W

Charter #3796 · TN

1069 CUs in 100M-500M nationally 25 in TN

L G & W has 6 strengths but faces 8 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 72.4% in tier
+ Organic Growth Leader: Top 84.5% in tier
+ Emerging Performer: Top 93.9% in tier
+ ROA 0.08% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Net Worth Ratio: Top 2.2% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 4.5% in tier
- Cost Spiral: Bottom 93.3% in tier
- Margin Compression: Bottom 94.3% in tier
- Total Loans: Bottom 1.5% in tier
- Total Deposits: Bottom 2.7% in tier
- Loan-to-Share Ratio: Bottom 3.5% in tier
- Total Members: Bottom 5.0% in tier
- Total Assets: Bottom 8.3% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Members	5,708 +1.0% YoY-0.5% QoQ	-9.7K	15,437 -2.9% YoY	21,265 +4.5% YoY	33,374 +5.7% YoY	Bottom 4.9% in tier
Assets	$112.5M +3.4% YoY+1.0% QoQ	$-119.4M	$231.9M +1.3% YoY	$372.5M +10.3% YoY	$561.6M +9.7% YoY	Bottom 8.2% in tier
Loans	$33.3M -1.9% YoY+1.6% QoQ	$-114.1M	$147.3M -0.1% YoY	$275.7M +8.6% YoY	$397.0M +8.8% YoY	Bottom 1.4% in tier
Deposits	$89.1M +1.8% YoY+1.5% QoQ	$-111.7M	$200.8M +0.8% YoY	$312.1M +9.5% YoY	$477.3M +9.7% YoY	Bottom 2.6% 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	0.8% -15.4% YoY-37.6% QoQ	+0.1%	0.8% +18.2% YoY	0.7% -5.8% YoY	0.7% +15.9% YoY	57%
NIM	3.1% -2.5% YoY-12.2% QoQ	-0.5%	3.6% +6.7% YoY	3.8% +3.7% YoY	3.8% +5.1% YoY	22%
Efficiency Ratio	75.6% +8.0% YoY+13.8% QoQ	-1.5%	77.0% -3.1% YoY	79.4% +2.9% YoY	79.7% -3.3% YoY	43%
Delinquency Rate	0.3% -45.9% YoY-0.0% QoQ	-0.6	0.9% +4.2% YoY	1.1% -12.6% YoY	1.3% -2.1% YoY	18%
Loan To Share	37.3% -3.7% YoY+0.1% QoQ	-34.9%	72.2% -1.1% YoY	70.0% -2.2% YoY	67.4% -1.7% YoY	Bottom 3.4% in tier
AMR	$21,441 -0.3% YoY+2.1% QoQ	$-3K	$24,676 +3.4% YoY	$18,770 +3.9% YoY	$19,687 +2.0% YoY	43%
CD Concentration	19.8% +1.6% YoY-1.5% QoQ	-4.6%	24.4%	22.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	6.7%	7.8%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#431 of 595 • Top 72.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.04%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.84%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Organic Growth Leader

growth

#360 of 426 • Top 84.5% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.04%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Emerging Performer

growth

#171 of 182 • Top 93.9% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.84%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Member Growth (YoY): 1.04%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

Concerns (3)

Liquidity Overhang

risk

#7 of 135 • Bottom 4.5% in tier

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

Why This Signature

Net Worth Ratio: 21.56%

(Tier: 11.97%, National: 14.49%)

but better than tier avg

Loan-to-Share Ratio: 37.31%

(Tier: 74.08%, National: 67.44%)

worse than tier avg

135 of 1069 Mid-Small & Community CUs have this signature | 155 nationally

↑ Growing +17 CUs YoY

Cost Spiral

risk

#43 of 46 • Bottom 93.3% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 5.60% points

(Tier: -2.44% points, National: -1.81% points)

worse than tier avg

Efficiency Ratio (Prior Year): 51.72%

(Tier: 60.04%, National: 63.66%)

but better than tier avg

46 of 1069 Mid-Small & Community CUs have this signature | 58 nationally

↓ Shrinking -30 CUs YoY | New qualifier

Margin Compression

decline

#116 of 123 • Bottom 94.3% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.84%

(Tier: 0.75%, National: 0.67%)

but better than tier avg

ROA (Prior Year): 1.00%

(Tier: 0.63%, National: 0.62%)

but better than tier avg

ROA Change (YoY): -0.15% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

123 of 1069 Mid-Small & Community CUs have this signature | 145 nationally

→ No prior data (123 CUs now) | New qualifier

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 1069 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Net Worth Ratio

risk

Value: 21.56%

Peer Median: -

#25 of 1069 Top 2.2% in 100M-500M tier

142

Members Per Employee (MPE)

engagement

Value: 439.077

Peer Median: -

#142 of 1069 Top 13.2% in 100M-500M tier

196

Total Delinquency Rate (60+ days)

risk

Value: 0.33%

Peer Median: -

#196 of 1069 Top 18.2% in 100M-500M tier

Top Weaknesses (10 metrics)

1054

Total Loans

balance_sheet

Value: $33.26M

Peer Median: -

#1054 of 1069 Bottom 1.5% in 100M-500M tier

1041

Total Deposits

balance_sheet

Value: $89.13M

Peer Median: -

#1041 of 1069 Bottom 2.7% in 100M-500M tier

1033

Loan-to-Share Ratio

balance_sheet

Value: 37.31%

Peer Median: -

#1033 of 1069 Bottom 3.5% in 100M-500M tier

1017

Total Members

engagement

Value: 5,708

Peer Median: -

#1017 of 1069 Bottom 5.0% in 100M-500M tier

981

Total Assets

balance_sheet

Value: $112.47M

Peer Median: -

#981 of 1069 Bottom 8.3% in 100M-500M tier

944

Loan-to-Member Ratio (LMR)

engagement

Value: $5,826

Peer Median: -

#944 of 1069 Bottom 11.8% in 100M-500M tier

886

AMR Growth Rate

growth

Value: -0.28%

Peer Median: -

#886 of 1069 Bottom 17.2% in 100M-500M tier

855

Fee Income Per Member

profitability

Value: $110.95

Peer Median: -

#855 of 1069 Bottom 20.1% in 100M-500M tier

838

Net Interest Margin (NIM)

profitability

Value: 3.08%

Peer Median: -

#838 of 1069 Bottom 21.7% in 100M-500M tier

818

Loan Growth Rate

growth

Value: -1.94%

Peer Median: -

#818 of 1069 Bottom 23.6% in 100M-500M tier