BlastPoint's Credit Union Scorecard

ELGA

Charter #61797 · MI

Mid-Market 1B-3B

304 CUs in 1B-3B nationally 19 in MI

View Mid-Market leaderboard →

ELGA has 13 strengths but faces 8 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

+ Emerging Performer: Top 0.0% in tier
+ Organic Growth Engine: Top 0.1% in tier
+ Profitability Leader: Top 8.5% in tier
+ ROA 0.99% above tier average
+ Net Interest Margin 0.81% above tier average
+ Strong member growth: 10.9% YoY
+ Net Worth Ratio: Top 0.3% in tier
+ Fee Income Per Member: Top 2.0% in tier
+ Deposit Growth Rate: Top 3.0% in tier
+ Member Growth Rate: Top 4.3% in tier
+ Asset Growth Rate: Top 4.3% in tier
+ Efficiency Ratio: Top 4.9% in tier
+ Share Certificate Concentration (%): Top 7.6% in tier

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 2.4% in tier
- Liquidity Overhang: Bottom 12.5% in tier
- Indirect Auto Dependency: Bottom 16.1% in tier
- Shrinking Wallet Share: Bottom 17.5% in tier
- Liquidity Strain: Bottom 33.6% in tier
- Delinquency rate 1.04% above tier average
- Total Delinquency Rate (60+ days): Bottom 4.9% in tier
- Net Charge-Off Rate: Bottom 6.9% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	109,101 +10.9% YoY+8.4% QoQ	+10.4K	98,678 -1.9% YoY	35,456 +8.6% YoY	33,089 +6.1% YoY	66%
Assets	$1.8B +13.8% YoY+9.6% QoQ	+$42.9M	$1.7B +0.5% YoY	$650.8M +12.6% YoY	$547.7M +7.8% YoY	61%
Loans	$1.2B -0.2% YoY+1.9% QoQ	$-33.5M	$1.2B +0.5% YoY	$461.6M +14.9% YoY	$388.7M +8.6% YoY	59%
Deposits	$1.3B +17.7% YoY+11.7% QoQ	$-137.3M	$1.5B +1.3% YoY	$550.3M +12.5% YoY	$464.6M +9.3% YoY	51%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

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	1.7% -17.3% YoY+6.8% QoQ	+1.0%	0.7% +13.4% YoY	0.8% -27.1% YoY	0.7% +273.4% YoY	Top 2.6% in tier
NIM	4.1% -5.5% YoY-3.4% QoQ	+0.8%	3.3% +9.3% YoY	3.7% +8.5% YoY	3.7% +5.0% YoY	Top 8.6% in tier
Efficiency Ratio	59.0% +8.8% YoY-0.3% QoQ	-14.9%	74.0% -10.9% YoY	76.1% -1.3% YoY	79.1% -3.3% YoY	Bottom 4.9% in tier
Delinquency Rate	1.9% -18.1% YoY-6.4% QoQ	+1.0	0.8% +6.1% YoY	0.9% -19.7% YoY	1.2% -0.9% YoY	Top 4.9% in tier
Loan To Share	91.1% -15.2% YoY-8.7% QoQ	+5.9%	85.2% -0.8% YoY	68.1% +0.3% YoY	68.0% -1.7% YoY	59%
AMR	$23,067 -2.2% YoY-1.5% QoQ	$-6K	$29,172 +2.8% YoY	$22,054 +2.5% YoY	$19,418 +1.3% YoY	22%
CD Concentration	15.7% +28.2% YoY+11.9% QoQ	-13.2%	29.0% +0.7% YoY	18.6% +6.0% YoY	19.6% +6.2% YoY	Bottom 7.1% in tier
Indirect Auto %	21.7% -4.5% YoY-1.1% QoQ	+2.9%	18.8% -3.0% YoY	11.9% -2.7% YoY	7.9% -2.9% YoY	61%

Signature Analysis

Strengths (3)

Emerging Performer

growth

#1 of 72 • Top 0.0% 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: 1.69%

(Tier: 0.71%, National: 0.71%)

better than tier avg

Member Growth (YoY): 10.87%

(Tier: 3.18%, National: 9.37%)

better than tier avg

72 of 380 Mid-Market CUs have this signature | 288 nationally

↑ Growing +13 CUs YoY

Organic Growth Engine

growth

#2 of 246 • Top 0.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 10.87%

(Tier: 3.18%, National: 9.37%)

better than tier avg

Return on Assets: 1.69%

(Tier: 0.71%, National: 0.71%)

better than tier avg

Indirect Auto %: 21.65%

(Tier: 18.77%, National: 7.90%)

but worse than tier avg

246 of 380 Mid-Market CUs have this signature | 917 nationally

↑ Growing +14 CUs YoY | Rank improving

Profitability Leader

growth

#9 of 95 • Top 8.5% in tier

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

Why This Signature

Return on Assets: 1.69%

(Tier: 0.71%, National: 0.71%)

better than tier avg

ROA Change (YoY): -0.35% points

(Tier: 0.07% points, National: 0.05% points)

but worse than tier avg

95 of 380 Mid-Market CUs have this signature | 457 nationally

→ Stable (93→95 CUs) +2 CUs YoY | Rank worsening

Concerns (5)

Margin Compression

decline

#3 of 24 • Bottom 2.4% 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: 1.69%

(Tier: 0.71%, National: 0.71%)

but better than tier avg

ROA (Prior Year): 2.04%

(Tier: 0.64%, National: 0.67%)

but better than tier avg

ROA Change (YoY): -0.35% points

(Tier: 0.07% points, National: 0.05% points)

worse than tier avg

24 of 380 Mid-Market CUs have this signature | 169 nationally

↓ Shrinking -16 CUs YoY | New qualifier

Liquidity Overhang

risk

#3 of 17 • Bottom 12.5% 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: 24.33%

(Tier: 11.30%, National: 14.51%)

but better than tier avg

Loan-to-Share Ratio: 91.08%

(Tier: 86.32%, National: 67.96%)

but better than tier avg

17 of 380 Mid-Market CUs have this signature | 155 nationally

→ Stable (17→17 CUs) | Rank improving

Indirect Auto Dependency

risk

#100 of 202 • Bottom 16.1% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 13.77%

(Tier: 5.36%, National: 3.04%)

but better than tier avg

Indirect Auto %: 21.65%

(Tier: 18.77%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 10.87%

(Tier: 3.18%, National: 9.37%)

but better than tier avg

202 of 380 Mid-Market CUs have this signature | 768 nationally

↓ Shrinking -7 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#54 of 83 • Bottom 17.5% in tier

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

Why This Signature

AMR Growth (YoY): -2.24%

(Tier: 3.04%, National: 4.19%)

worse than tier avg

83 of 380 Mid-Market CUs have this signature | 346 nationally

↓ Shrinking -55 CUs YoY | Rank improving

Liquidity Strain

risk

#177 of 183 • Bottom 33.6% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 91.08%

(Tier: 86.32%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): -0.24%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

183 of 380 Mid-Market CUs have this signature | 484 nationally

↑ Growing +10 CUs YoY | Rank worsening

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 304 peers in tier

Top Strengths (10 metrics)

Net Worth Ratio

risk

Value: 24.33%

Peer Avg: -

#2 of 304 Top 0.3% in 1B-3B tier

Fee Income Per Member

profitability

Value: $408.76

Peer Avg: -

#7 of 304 Top 2.0% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.69%

Peer Avg: -

#8 of 304 Top 2.3% in 1B-3B tier

Deposit Growth Rate

growth

Value: 17.66%

Peer Avg: -

#10 of 304 Top 3.0% in 1B-3B tier

Member Growth Rate

growth

Value: 10.87%

Peer Avg: -

#14 of 304 Top 4.3% in 1B-3B tier

Asset Growth Rate

growth

Value: 13.77%

Peer Avg: -

#14 of 304 Top 4.3% in 1B-3B tier

Efficiency Ratio

profitability

Value: 59.05%

Peer Avg: -

#16 of 304 Top 4.9% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 15.73%

Peer Avg: -

#24 of 304 Top 7.6% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 4.07%

Peer Avg: -

#26 of 304 Top 8.2% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 17.66%

Peer Avg: -

#35 of 304 Top 11.2% in 1B-3B tier

Top Weaknesses (5 metrics)

290

Total Delinquency Rate (60+ days)

risk

Value: 1.86%

Peer Avg: -

#290 of 304 Bottom 4.9% in 1B-3B tier

284

Net Charge-Off Rate

risk

Value: 1.26%

Peer Avg: -

#284 of 304 Bottom 6.9% in 1B-3B tier

263

AMR Growth Rate

growth

Value: -2.24%

Peer Avg: -

#263 of 304 Bottom 13.8% in 1B-3B tier

237

Average Member Relationship (AMR)

engagement

Value: $23,067

Peer Avg: -

#237 of 304 Bottom 22.4% in 1B-3B tier

229

Loan Growth Rate

growth

Value: -0.24%

Peer Avg: -

#229 of 304 Bottom 25.0% in 1B-3B tier