BlastPoint's Credit Union Scorecard

ELGA

Charter #61797 · MI

Mid-Market 1B-3B

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

View Mid-Market leaderboard →

ELGA has 8 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
+ Organic Growth Engine: 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

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 21 that size in Michigan.
Shares and deposits +72.7% year over year ($2.04B in shares and deposits).
Membership: 117,308 members, +16.6% vs a year ago.
Delinquency rate 1.38%.
Return on assets 0.99%.
Efficiency ratio 71.09% vs a 73.02% peer average.
Loan-to-share ratio 79.37% vs a 84.71% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

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

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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