BlastPoint's Credit Union Scorecard
LGE COMMUNITY
Charter #68581 · GA
LGE COMMUNITY has 2 strengths but faces 9 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 66.0% in tier
- + Organic Growth Engine: Top 72.0% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 20.5% in tier
- - Flatlined Growth: Bottom 27.3% in tier
- - Credit Risk Growth: Bottom 30.7% in tier
- - Deposit Outflow: Bottom 72.2% in tier
- - Shrinking Wallet Share: Bottom 91.0% in tier
- - Indirect Auto Dependency: Bottom 98.5% in tier
- - ROA 0.03% below tier average
- - 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 (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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)