BlastPoint's Credit Union Scorecard
ELGA
Charter #61797 · MI
ELGA has 8 strengths but faces 4 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 0.5% in tier
- + Organic Growth Leader: Top 3.2% in tier
- + Organic Growth Engine: Top 3.2% in tier
- + ROA 0.20% above tier average
- + Strong member growth: 17.3% YoY
- + AMR Growth Rate: Top 0.3% in tier
- + Deposit Growth Rate: Top 0.7% in tier
- + Asset Growth Rate: Top 1.0% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 2.9% in tier
- - Cost Spiral: Bottom 4.7% in tier
- - Margin Compression: Bottom 29.5% in tier
- - Delinquency rate 0.37% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
117,117
+17.3% YoY+7.4% QoQ
|
+21.1K |
96,048
-2.7% YoY
|
36,022
+6.3% YoY
|
33,913
+5.7% YoY
|
72% |
| Assets |
$2.5B
+53.9% YoY+36.0% QoQ
|
+$746.0M |
$1.7B
+0.4% YoY
|
$705.1M
+14.1% YoY
|
$578.3M
+9.0% YoY
|
84% |
| Loans |
$1.6B
+36.7% YoY+36.6% QoQ
|
+$402.1M |
$1.2B
+0.2% YoY
|
$480.6M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
78% |
| Deposits |
$2.0B
+69.4% YoY+47.2% QoQ
|
+$539.0M |
$1.5B
+0.5% YoY
|
$601.5M
+14.1% YoY
|
$494.3M
+9.1% YoY
|
80% |
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| ROA |
0.9%
-39.1% YoY-39.7% QoQ
|
+0.2% |
0.7%
+27.6% YoY
|
0.9%
+85.7% YoY
|
0.4%
-39.2% YoY
|
72% |
| NIM |
3.1%
-26.7% YoY-20.1% QoQ
|
-0.2% |
3.4%
+6.2% YoY
|
3.7%
+3.8% YoY
|
3.8%
+4.1% YoY
|
31% |
| Efficiency Ratio |
70.2%
+13.4% YoY+16.7% QoQ
|
-4.4% |
74.6%
-3.0% YoY
|
75.8%
-7.1% YoY
|
84.6%
+2.8% YoY
|
31% |
| Delinquency Rate |
1.1%
-35.2% YoY-44.2% QoQ
|
+0.4 |
0.8%
+6.9% YoY
|
0.7%
-7.8% YoY
|
1.2%
+3.4% YoY
|
85% |
| Loan To Share |
80.6%
-19.3% YoY-7.2% QoQ
|
-2.6% |
83.2%
-0.4% YoY
|
65.1%
-0.0% YoY
|
65.6%
-1.4% YoY
|
35% |
| AMR |
$30,912
+30.5% YoY+32.4% QoQ
|
+$1K |
$29,652
+2.3% YoY
|
$22,971
+5.9% YoY
|
$19,920
+1.6% YoY
|
64% |
| CD Concentration |
18.1%
+42.2% YoY+13.3% QoQ
|
-10.8% | 28.8% | 18.6% | 19.8% | Bottom 10.2% in tier |
| Indirect Auto % |
14.7%
-33.7% YoY-30.1% QoQ
|
-3.4% | 18.1% | 11.7% | 7.7% | 48% |
Signature Analysis
Strengths (3)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)