BlastPoint's Credit Union Scorecard
LGE COMMUNITY
Charter #68581 · GA
LGE COMMUNITY faces 8 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 11.8% in tier
- - Credit Risk Growth: Bottom 48.9% in tier
- - Shrinking Wallet Share: Bottom 80.9% in tier
- - Flatlined Growth: Bottom 84.1% in tier
- - Indirect Auto Dependency: Bottom 84.1% in tier
- - Deposit Outflow: Bottom 92.2% in tier
- - Efficiency ratio 5.23% above tier (higher cost structure)
- - Deposit Growth Rate: Bottom 8.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
124,939
+2.4% YoY+0.8% QoQ
|
+27.5K |
97,431
-2.4% YoY
|
30,943
+6.6% YoY
|
33,374
+5.7% YoY
|
77% |
| Assets |
$2.3B
+1.0% YoY+0.7% QoQ
|
+$602.7M |
$1.7B
+0.9% YoY
|
$501.1M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
81% |
| Loans |
$1.6B
+5.3% YoY+1.8% QoQ
|
+$402.3M |
$1.2B
+0.5% YoY
|
$341.6M
+10.9% YoY
|
$397.0M
+8.8% YoY
|
78% |
| Deposits |
$2.0B
-1.4% YoY+0.3% QoQ
|
+$494.2M |
$1.5B
+0.9% YoY
|
$429.0M
+7.8% YoY
|
$477.3M
+9.7% YoY
|
80% |
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| ROA |
0.7%
+4.1% YoY+3.5% QoQ
|
+0.0% |
0.7%
+20.9% YoY
|
0.9%
+34.6% YoY
|
0.7%
+15.9% YoY
|
51% |
| NIM |
3.3%
+9.2% YoY+0.9% QoQ
|
+0.0% |
3.3%
+9.2% YoY
|
4.1%
+4.4% YoY
|
3.8%
+5.1% YoY
|
48% |
| Efficiency Ratio |
79.3%
-0.2% YoY-1.2% QoQ
|
+5.2% |
74.1%
-9.5% YoY
|
77.1%
-0.1% YoY
|
79.7%
-3.3% YoY
|
72% |
| Delinquency Rate |
0.5%
+155.4% YoY+16.5% QoQ
|
-0.4 |
0.9%
+6.2% YoY
|
1.2%
-6.4% YoY
|
1.3%
-2.1% YoY
|
28% |
| Loan To Share |
83.8%
+6.8% YoY+1.5% QoQ
|
-1.0% |
84.8%
-0.8% YoY
|
72.9%
+1.7% YoY
|
67.4%
-1.7% YoY
|
40% |
| AMR |
$28,736
-0.8% YoY+0.2% QoQ
|
$-693 |
$29,428
+2.4% YoY
|
$17,497
+5.6% YoY
|
$19,687
+2.0% YoY
|
56% |
| CD Concentration |
18.6%
-10.0% YoY-1.5% QoQ
|
-10.5% | 29.0% | 20.5% | 19.8% | Bottom 11.4% in tier |
| Indirect Auto % |
17.7%
-1.7% YoY-1.0% QoQ
|
-0.6% | 18.3% | 4.4% | 7.8% | 54% |
Signature Analysis
Strengths (0)
Concerns (6)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)