BlastPoint's Credit Union Scorecard

ELGA

Charter #61797 · MI

Mid-Market 1B-3B

ELGA at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

ELGA is one of 101 credit unions in the 2026 VentureTech card set. We also found ELGA's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

ELGA

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ELGA
PEER · AT VENTURETECH
PEER · AT VENTURETECH
ELGA'S BIGGEST OPPORTUNITY

300 CUs in 1B-3B nationally 21 in MI

View Mid-Market leaderboard →

ELGA has 7 strengths but faces 5 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 0.8% in tier
+ Organic Growth Leader: Top 3.0% in tier
+ ROA 0.17% above tier average
+ Strong member growth: 16.6% YoY
+ Asset Growth Rate: Top 0.1% in tier
+ Deposit Growth Rate: Top 0.1% in tier
+ AMR Growth Rate: Top 0.3% in tier

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 1.3% in tier
- Liquidity Overhang: Bottom 3.2% in tier
- Margin Compression: Bottom 32.5% in tier
- Delinquency rate 0.52% above tier average
- Members Per Employee (MPE): Bottom 9.3% in tier

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

Pick a time to meet

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	117,308 +16.6% YoY+0.2% QoQ	+20.4K	96,861 -1.9% YoY	36,289 +5.9% YoY	34,678 +6.6% YoY	71%
Assets	$2.5B +55.4% YoY+1.3% QoQ	+$774.6M	$1.7B +0.4% YoY	$717.2M +13.9% YoY	$593.1M +10.2% YoY	85%
Loans	$1.6B +37.4% YoY+0.1% QoQ	+$382.9M	$1.2B +0.7% YoY	$498.6M +13.7% YoY	$418.6M +10.1% YoY	79%
Deposits	$2.0B +72.7% YoY+1.6% QoQ	+$574.1M	$1.5B +0.5% YoY	$610.4M +14.2% YoY	$504.8M +10.3% YoY	81%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.0% -37.5% YoY+7.1% QoQ	+0.2%	0.8% +27.6% YoY	1.0% +47.3% YoY	1.2% +121.4% YoY	70%
NIM	3.5% -17.9% YoY+11.2% QoQ	+0.0%	3.4% +6.6% YoY	3.8% +4.4% YoY	3.8% +2.3% YoY	49%
Efficiency Ratio	71.1% +20.0% YoY+1.2% QoQ	-1.9%	73.0% -2.7% YoY	74.6% -8.6% YoY	83.0% -5.3% YoY	39%
Delinquency Rate	1.4% -30.8% YoY+22.2% QoQ	+0.5	0.9% +7.3% YoY	0.9% +9.0% YoY	1.3% +2.6% YoY	85%
Loan To Share	79.4% -20.5% YoY-1.5% QoQ	-5.3%	84.7% +0.1% YoY	66.6% +0.6% YoY	66.4% -1.4% YoY	29%
AMR	$31,153 +33.0% YoY+0.8% QoQ	+$2K	$29,575 +1.5% YoY	$23,154 +6.0% YoY	$20,028 -0.9% YoY	66%
CD Concentration	19.0% +35.1% YoY+5.1% QoQ	-10.1%	29.1%	18.8%	20.0%	Bottom 11.7% in tier
Indirect Auto %	14.1% -35.4% YoY-3.9% QoQ	-3.9%	18.1%	11.7%	7.7%	46%

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth

#3 of 125 • Top 0.8% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 32.99%

(Tier: 3.62%, National: 35.20%)

better than tier avg

125 of 377 Mid-Market CUs have this signature | 635 nationally

↑ Growing +22 CUs YoY | New qualifier

Organic Growth Leader

growth

#4 of 112 • Top 3.0% in tier

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

Why This Signature

Member Growth (YoY): 16.61%

(Tier: 3.16%, National: 15.67%)

better than tier avg

Indirect Auto %: 14.14%

(Tier: 18.08%, National: 7.71%)

better than tier avg

112 of 377 Mid-Market CUs have this signature | 485 nationally

↓ Shrinking -20 CUs YoY | New qualifier

Organic Growth Engine

growth

#21 of 113 • Top 3.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 16.61%

(Tier: 3.16%, National: 15.67%)

better than tier avg

Return on Assets: 0.99%

(Tier: 0.84%, National: 1.23%)

better than tier avg

Indirect Auto %: 14.14%

(Tier: 18.08%, National: 7.71%)

better than tier avg

113 of 377 Mid-Market CUs have this signature | 490 nationally

↓ Shrinking -131 CUs YoY | Rank improving

Concerns (3)

Cost Spiral

risk

#1 of 8 • Bottom 1.3% 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: 11.84% points

(Tier: -1.92% points, National: -3.74% points)

worse than tier avg

Efficiency Ratio (Prior Year): 59.25%

(Tier: 74.29%, National: 86.72%)

but better than tier avg

8 of 377 Mid-Market CUs have this signature | 106 nationally

↓ Shrinking -12 CUs YoY | New qualifier

Margin Compression

decline

#1 of 20 • Bottom 32.5% 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: 0.99%

(Tier: 0.84%, National: 1.23%)

but better than tier avg

ROA (Prior Year): 1.58%

(Tier: 0.66%, National: 0.66%)

but better than tier avg

ROA Change (YoY): -0.59% points

(Tier: 0.18% points, National: 0.47% points)

worse than tier avg

20 of 377 Mid-Market CUs have this signature | 167 nationally

→ Stable (22→20 CUs) -2 CUs YoY | Rank improving

Liquidity Overhang

risk

#6 of 15 • Bottom 3.2% in tier

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

Why This Signature

Net Worth Ratio: 17.80%

(Tier: 11.45%, National: 14.66%)

but better than tier avg

Loan-to-Share Ratio: 79.37%

(Tier: 85.94%, National: 66.39%)

worse than tier avg

15 of 377 Mid-Market CUs have this signature | 148 nationally

→ Stable (16→15 CUs) -1 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 300 peers in tier

Top Strengths (11 metrics)

Asset Growth Rate

growth

Value: 55.44%

Peer Median: 5.21%

#1 of 300 Top 0.1% in 1B-3B tier

Deposit Growth Rate

growth

Value: 72.73%

Peer Median: 4.79%

#1 of 300 Top 0.1% in 1B-3B tier

AMR Growth Rate

growth

Value: 32.99%

Peer Median: 3.19%

#2 of 300 Top 0.3% in 1B-3B tier

Loan Growth Rate

growth

Value: 37.38%

Peer Median: 5.71%

#4 of 300 Top 1.0% in 1B-3B tier

Member Growth Rate

growth

Value: 16.61%

Peer Median: 1.84%

#7 of 300 Top 2.0% in 1B-3B tier

Net Worth Ratio

risk

Value: 17.80%

Peer Median: 10.91%

#12 of 300 Top 3.7% in 1B-3B tier

Fee Income Per Member

profitability

Value: $320.15

Peer Median: $204.73

#29 of 300 Top 9.3% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 18.99%

Peer Median: 28.24%

#38 of 300 Top 12.3% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.50B

Peer Median: $1.51B

#46 of 300 Top 15.0% in 1B-3B tier

Total Deposits

balance_sheet

Value: $2.04B

Peer Median: $1.30B

#56 of 300 Top 18.3% in 1B-3B tier

Top Weaknesses (2 metrics)

273

Members Per Employee (MPE)

engagement

Value: 263.613

Peer Median: 346.173

#273 of 300 Bottom 9.3% in 1B-3B tier

255

Total Delinquency Rate (60+ days)

risk

Value: 1.38%

Peer Median: 0.70%

#255 of 300 Bottom 15.3% in 1B-3B tier