BlastPoint's Credit Union Scorecard

L G & W

Charter #3796 · TN

1077 CUs in 100M-500M nationally 25 in TN

L G & W has 8 strengths but faces 10 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 10.3% in tier
+ Organic Growth Leader: Top 19.7% in tier
+ Emerging Performer: Top 55.3% in tier
+ Profitability Leader: Top 60.2% in tier
+ Credit Quality Leader: Top 79.1% in tier
+ ROA 0.57% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Net Worth Ratio: Top 1.8% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 3.8% in tier
- Shrinking Wallet Share: Bottom 10.1% in tier
- Credit Quality Pressure: Bottom 13.1% in tier
- Deposit Outflow: Bottom 97.5% in tier
- Total Loans: Bottom 1.3% in tier
- Total Deposits: Bottom 2.0% in tier
- Loan-to-Share Ratio: Bottom 3.5% in tier
- Total Members: Bottom 4.8% in tier
- AMR Growth Rate: Bottom 7.1% in tier
- Total Assets: Bottom 7.8% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Members	5,739 +2.0% YoY+0.3% QoQ	-9.9K	15,628 -3.4% YoY	21,139 +4.9% YoY	33,089 +6.1% YoY	Bottom 4.7% in tier
Assets	$111.3M +0.4% YoY+0.0% QoQ	$-120.0M	$231.3M -0.0% YoY	$362.5M +9.5% YoY	$547.7M +7.8% YoY	Bottom 7.7% in tier
Loans	$32.7M -2.8% YoY+0.4% QoQ	$-115.1M	$147.8M -1.4% YoY	$271.1M +9.1% YoY	$388.7M +8.6% YoY	Bottom 1.2% in tier
Deposits	$87.8M -1.0% YoY-0.6% QoQ	$-112.4M	$200.3M -0.0% YoY	$303.0M +8.7% YoY	$464.6M +9.3% YoY	Bottom 1.9% 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% +8.8% YoY+1.3% QoQ	+0.6%	0.8% +15.5% YoY	0.8% +4.1% YoY	0.7% +273.4% YoY	84%
NIM	3.5% +0.3% YoY+2.0% QoQ	-0.1%	3.6% +6.9% YoY	3.8% +5.1% YoY	3.7% +5.0% YoY	45%
Efficiency Ratio	66.4% +6.5% YoY-0.3% QoQ	-10.9%	77.3% -3.0% YoY	75.4% -1.8% YoY	79.1% -3.3% YoY	17%
Delinquency Rate	0.3% +249.6% YoY-34.2% QoQ	-0.5	0.9% +7.6% YoY	1.1% +8.5% YoY	1.2% -0.9% YoY	20%
Loan To Share	37.3% -1.8% YoY+1.0% QoQ	-35.4%	72.7% -1.5% YoY	70.4% -2.4% YoY	68.0% -1.7% YoY	Bottom 3.4% in tier
AMR	$21,010 -3.4% YoY-0.6% QoQ	$-3K	$24,363 +2.9% YoY	$18,470 +2.4% YoY	$19,418 +1.3% YoY	42%
CD Concentration	20.1% +5.5% YoY+1.0% QoQ	-4.3%	24.4% +4.2% YoY	22.3% +6.6% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	6.9% +1.1% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (5)

Organic Growth Engine

growth

#190 of 603 • Top 10.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.97%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.35%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Organic Growth Leader

growth

#261 of 430 • Top 19.7% in tier

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

Why This Signature

Member Growth (YoY): 1.97%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank worsening

Emerging Performer

growth

#106 of 191 • Top 55.3% 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: 1.35%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Member Growth (YoY): 1.97%

(Tier: 0.88%, National: 9.37%)

better than tier avg

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | Rank worsening

Profitability Leader

growth

#205 of 340 • Top 60.2% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.35%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.11% points

(Tier: 0.11% points, National: 0.05% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Credit Quality Leader

growth

#269 of 340 • Top 79.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.33%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.23% points

(Tier: 0.04% points, National: 0.07% points)

but worse than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Concerns (4)

Liquidity Overhang

risk

#6 of 134 • Bottom 3.8% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 21.94%

(Tier: 11.95%, National: 14.51%)

but better than tier avg

Loan-to-Share Ratio: 37.27%

(Tier: 74.56%, National: 67.96%)

worse than tier avg

134 of 1077 Community CUs have this signature | 155 nationally

↑ Growing +25 CUs YoY

Shrinking Wallet Share

decline

#102 of 244 • Bottom 10.1% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -3.36%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

244 of 1077 Community CUs have this signature | 346 nationally

↓ Shrinking -221 CUs YoY | Rank improving

Credit Quality Pressure

risk

#324 of 736 • Bottom 13.1% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.23% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Deposit Outflow

decline

#79 of 81 • Bottom 97.5% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -0.95%

(Tier: 4.79%, National: 12.00%)

worse than tier avg

Member Growth (YoY): 1.97%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

81 of 1077 Community CUs have this signature | 109 nationally

↓ Shrinking -144 CUs YoY | 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 1077 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Net Worth Ratio

risk

Value: 21.94%

Peer Avg: -

#20 of 1077 Top 1.8% in 100M-500M tier

133

Members Per Employee (MPE)

engagement

Value: 441.462

Peer Avg: -

#133 of 1077 Top 12.3% in 100M-500M tier

172

Return on Assets (ROA)

profitability

Value: 1.35%

Peer Avg: -

#172 of 1077 Top 15.9% in 100M-500M tier

184

Efficiency Ratio

profitability

Value: 66.36%

Peer Avg: -

#184 of 1077 Top 17.0% in 100M-500M tier

221

Total Delinquency Rate (60+ days)

risk

Value: 0.33%

Peer Avg: -

#221 of 1077 Top 20.4% in 100M-500M tier

Top Weaknesses (11 metrics)

1064

Total Loans

balance_sheet

Value: $32.74M

Peer Avg: -

#1064 of 1077 Bottom 1.3% in 100M-500M tier

1056

Total Deposits

balance_sheet

Value: $87.84M

Peer Avg: -

#1056 of 1077 Bottom 2.0% in 100M-500M tier

1040

Loan-to-Share Ratio

balance_sheet

Value: 37.27%

Peer Avg: -

#1040 of 1077 Bottom 3.5% in 100M-500M tier

1026

Total Members

engagement

Value: 5,739

Peer Avg: -

#1026 of 1077 Bottom 4.8% in 100M-500M tier

1001

AMR Growth Rate

growth

Value: -3.36%

Peer Avg: -

#1001 of 1077 Bottom 7.1% in 100M-500M tier

994

Total Assets

balance_sheet

Value: $111.34M

Peer Avg: -

#994 of 1077 Bottom 7.8% in 100M-500M tier

959

Loan-to-Member Ratio (LMR)

engagement

Value: $5,704

Peer Avg: -

#959 of 1077 Bottom 11.0% in 100M-500M tier

939

Deposit Growth Rate

growth

Value: -0.95%

Peer Avg: -

#939 of 1077 Bottom 12.9% in 100M-500M tier

891

Fee Income Per Member

profitability

Value: $104.88

Peer Avg: -

#891 of 1077 Bottom 17.4% in 100M-500M tier

856

Asset Growth Rate

growth

Value: 0.37%

Peer Avg: -

#856 of 1077 Bottom 20.6% in 100M-500M tier