BlastPoint's Credit Union Scorecard
LGE COMMUNITY
Charter #68581 · GA
LGE COMMUNITY faces 5 concerns requiring attention
How does the industry compare?
What's your peer group doing?
How does GA stack up?
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 17.1% in tier
- - Credit Risk Growth: Bottom 31.6% in tier
- - Indirect Auto Dependency: Bottom 79.5% in tier
- - ROA 0.09% below tier average
- - Efficiency ratio 2.02% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
126,395
+3.1% YoY+1.2% QoQ
|
+30.3K |
96,048
-2.7% YoY
|
31,952
+7.2% YoY
|
33,913
+5.7% YoY
|
79% |
| Assets |
$2.4B
+1.9% YoY+2.8% QoQ
|
+$671.0M |
$1.7B
+0.4% YoY
|
$522.8M
+8.6% YoY
|
$578.3M
+9.0% YoY
|
81% |
| Loans |
$1.7B
+8.6% YoY+2.6% QoQ
|
+$465.2M |
$1.2B
+0.2% YoY
|
$353.5M
+11.3% YoY
|
$402.4M
+8.7% YoY
|
81% |
| Deposits |
$2.0B
+0.0% YoY+3.1% QoQ
|
+$548.4M |
$1.5B
+0.5% YoY
|
$449.3M
+7.5% YoY
|
$494.3M
+9.1% YoY
|
81% |
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| ROA |
0.6%
+105.3% YoY-4.3% QoQ
|
-0.1% |
0.7%
+27.6% YoY
|
-0.2%
-137.4% YoY
|
0.4%
-39.2% YoY
|
46% |
| NIM |
3.2%
+8.3% YoY-0.7% QoQ
|
-0.1% |
3.4%
+6.2% YoY
|
3.6%
-10.9% YoY
|
3.8%
+4.1% YoY
|
41% |
| Efficiency Ratio |
76.7%
-11.7% YoY-3.3% QoQ
|
+2.0% |
74.6%
-3.0% YoY
|
81.8%
+0.6% YoY
|
84.6%
+2.8% YoY
|
57% |
| Delinquency Rate |
0.5%
+90.1% YoY-11.3% QoQ
|
-0.3 |
0.8%
+6.9% YoY
|
1.7%
+76.5% YoY
|
1.2%
+3.4% YoY
|
31% |
| Loan To Share |
83.4%
+8.6% YoY-0.5% QoQ
|
+0.2% |
83.2%
-0.4% YoY
|
70.0%
+1.3% YoY
|
65.6%
-1.4% YoY
|
44% |
| AMR |
$29,216
+0.6% YoY+1.7% QoQ
|
$-435 |
$29,652
+2.3% YoY
|
$17,441
+2.7% YoY
|
$19,920
+1.6% YoY
|
56% |
| CD Concentration |
19.2%
+0.3% YoY+3.4% QoQ
|
-9.6% | 28.8% | 20.0% | 19.8% | Bottom 11.7% in tier |
| Indirect Auto % |
17.4%
-4.2% YoY-2.0% QoQ
|
-0.7% | 18.1% | 4.3% | 7.7% | 54% |
Signature Analysis
Strengths (0)
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)