BlastPoint's Credit Union Scorecard
ELGA
Charter #61797 · MI
ELGA has 11 strengths but faces 7 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 0.8% in tier
- + ROA 0.85% above tier average
- + Net Interest Margin 0.62% above tier average
- + Strong member growth: 10.4% YoY
- + Net Worth Ratio: Top 0.7% in tier
- + Fee Income Per Member: Top 2.0% in tier
- + Asset Growth Rate: Top 4.0% in tier
- + Deposit Growth Rate: Top 4.3% in tier
- + Member Growth Rate: Top 5.6% in tier
- + Efficiency Ratio: Top 6.6% in tier
- + Share Certificate Concentration (%): Top 7.0% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 11.1% in tier
- - Liquidity Overhang: Bottom 12.5% in tier
- - Indirect Auto Dependency: Bottom 48.2% in tier
- - Shrinking Wallet Share: Bottom 71.8% in tier
- - Delinquency rate 1.12% above tier average
- - Total Delinquency Rate (60+ days): Bottom 4.3% in tier
- - Net Charge-Off Rate: Bottom 7.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
109,016
+10.4% YoY-0.1% QoQ
|
+11.6K |
97,431
-2.4% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
67% |
| Assets |
$1.8B
+16.7% YoY+2.9% QoQ
|
+$90.0M |
$1.7B
+0.9% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
63% |
| Loans |
$1.2B
-1.1% YoY-1.4% QoQ
|
$-51.8M |
$1.2B
+0.5% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
57% |
| Deposits |
$1.4B
+19.1% YoY+3.4% QoQ
|
$-97.6M |
$1.5B
+0.9% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
53% |
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| ROA |
1.5%
-15.0% YoY-9.5% QoQ
|
+0.8% |
0.7%
+20.9% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
Top 4.3% in tier |
| NIM |
3.9%
-8.5% YoY-4.2% QoQ
|
+0.6% |
3.3%
+9.2% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
Top 13.9% in tier |
| Efficiency Ratio |
60.2%
+7.2% YoY+2.0% QoQ
|
-13.9% |
74.1%
-9.5% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 6.6% in tier |
| Delinquency Rate |
2.0%
-10.9% YoY+8.5% QoQ
|
+1.1 |
0.9%
+6.2% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
Top 4.3% in tier |
| Loan To Share |
86.8%
-17.0% YoY-4.7% QoQ
|
+2.1% |
84.8%
-0.8% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
49% |
| AMR |
$23,339
-1.5% YoY+1.2% QoQ
|
$-6K |
$29,428
+2.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
22% |
| CD Concentration |
16.0%
+33.0% YoY+1.4% QoQ
|
-13.1% | 29.0% | 18.6% | 19.8% | Bottom 6.9% in tier |
| Indirect Auto % |
21.1%
-5.4% YoY-2.7% QoQ
|
+2.7% | 18.3% | 11.8% | 7.8% | 61% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
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.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)