L G & W
Charter #3796 | TN
100M-500M
(1077 CUs)
Micro
($0-$500M)
25 100M-500M in TN
L G & W has 6 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 4.4% in tier
- + Organic Growth Engine: Top 10.3% in tier
- + Organic Growth Leader: Top 19.7% 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 0.3% in tier
- - Shrinking Wallet Share: Bottom 10.1% in tier
- - Credit Quality Pressure: Bottom 13.1% in tier
- - Deposit Outflow: Bottom 18.2% 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 |
| 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
|
Top 16.0% in tier |
| 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
|
45th in tier |
| 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
|
Bottom 17.0% in tier |
| 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
|
Bottom 20.4% in tier |
| 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
|
42nd in tier |
| 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
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
6.9%
+1.1% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (3)
Emerging Performer
growth
#84 of 627 • Top 4.4% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
1.35%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
1.97%
(Tier:
0.88%, National:
9.37%)
627 of 1077 Community CUs have this signature
| 852 nationally
↑ Growing
+13 CUs YoY
|
Rank improving
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%)
Return on Assets:
1.35%
(Tier:
0.77%, National:
0.71%)
Indirect Auto %:
0.00%
(Tier:
13.96%, National:
7.90%)
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 without relying on indirect channels. Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
1.97%
(Tier:
0.88%, National:
9.37%)
430 of 1077 Community CUs have this signature
| 608 nationally
↓ Shrinking
-21 CUs YoY
|
Rank worsening
Concerns (4)
Liquidity Overhang
risk
#6 of 552 • Bottom 0.3% 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%)
Loan-to-Share Ratio:
37.27%
(Tier:
74.56%, National:
67.96%)
552 of 1077 Community CUs have this signature
| 691 nationally
↑ Growing
+65 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%)
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)
736 of 1077 Community CUs have this signature
| 1002 nationally
↓ Shrinking
-199 CUs YoY
|
New qualifier
Deposit Outflow
decline
#108 of 114 • Bottom 18.2% in tier
Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.
Why This Signature
Deposit Growth (YoY):
-0.95%
(Tier:
4.79%, National:
12.00%)
Total Assets:
$111.34M
(Tier: $231.30M, National: $547.69M)
114 of 1077 Community CUs have this signature
| 143 nationally
↓ Shrinking
-169 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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 13.34%
#1 of 1077
Top 0.0% in 100M-500M tier
20
Net Worth Ratio
risk
Value:
21.94%
Peer Avg: 12.15%
#20 of 1077
Top 1.8% in 100M-500M tier
133
Members Per Employee (MPE)
engagement
Value:
441.462
Peer Avg: 332.881
#133 of 1077
Top 12.3% in 100M-500M tier
172
Return on Assets (ROA)
profitability
Value:
1.35%
Peer Avg: 0.79%
#172 of 1077
Top 15.9% in 100M-500M tier
184
Efficiency Ratio
profitability
Value:
66.36%
Peer Avg: 77.28%
#184 of 1077
Top 17.0% in 100M-500M tier
221
Total Delinquency Rate (60+ days)
risk
Value:
0.33%
Peer Avg: 0.86%
#221 of 1077
Top 20.4% in 100M-500M tier
Top Weaknesses (11 metrics)
1064
Total Loans
balance_sheet
Value:
$32.74M
Peer Avg: $147.80M
#1064 of 1077
Bottom 1.3% in 100M-500M tier
1056
Total Deposits
balance_sheet
Value:
$87.84M
Peer Avg: $200.29M
#1056 of 1077
Bottom 2.0% in 100M-500M tier
1040
Loan-to-Share Ratio
balance_sheet
Value:
37.27%
Peer Avg: 72.70%
#1040 of 1077
Bottom 3.5% in 100M-500M tier
1026
Total Members
engagement
Value:
5,739
Peer Avg: 15,628
#1026 of 1077
Bottom 4.8% in 100M-500M tier
1001
AMR Growth Rate
growth
Value:
-3.36%
Peer Avg: 3.64%
#1001 of 1077
Bottom 7.1% in 100M-500M tier
994
Total Assets
balance_sheet
Value:
$111.34M
Peer Avg: $231.30M
#994 of 1077
Bottom 7.8% in 100M-500M tier
959
Loan-to-Member Ratio (LMR)
engagement
Value:
$5,704
Peer Avg: $10,245
#959 of 1077
Bottom 11.0% in 100M-500M tier
939
Deposit Growth Rate
growth
Value:
-0.95%
Peer Avg: 4.69%
#939 of 1077
Bottom 12.9% in 100M-500M tier
891
Fee Income Per Member
profitability
Value:
$104.88
Peer Avg: $174.31
#891 of 1077
Bottom 17.4% in 100M-500M tier
856
Asset Growth Rate
growth
Value:
0.37%
Peer Avg: 4.70%
#856 of 1077
Bottom 20.6% in 100M-500M tier