BlastPoint's Credit Union Scorecard
LGE COMMUNITY
Charter #68581 · GA
LGE COMMUNITY faces 4 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
- - Efficiency Drag: Bottom 17.6% in tier
- - Indirect Auto Dependency: Bottom 66.7% in tier
- - ROA 0.24% below tier average
- - Efficiency ratio 7.50% above tier (higher cost structure)
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 5 that size in Georgia.
- Shares and deposits +1.9% year over year ($2.02B in shares and deposits).
- Membership: 128,026 members, +4.1% vs a year ago.
- Delinquency rate 0.47%.
- Return on assets 0.57%.
- Efficiency ratio 80.52% vs a 73.02% peer average.
- Loan-to-share ratio 84.48% 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 (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
128,026
+4.1% YoY+1.3% QoQ
|
+31.2K |
96,861
-1.9% YoY
|
32,666
+7.6% YoY
|
34,678
+6.6% YoY
|
79% |
| Assets |
$2.4B
+3.4% YoY+0.7% QoQ
|
+$684.4M |
$1.7B
+0.4% YoY
|
$529.0M
+8.4% YoY
|
$593.1M
+10.2% YoY
|
82% |
| Loans |
$1.7B
+8.5% YoY+1.8% QoQ
|
+$475.6M |
$1.2B
+0.7% YoY
|
$366.4M
+11.0% YoY
|
$418.6M
+10.1% YoY
|
81% |
| Deposits |
$2.0B
+1.9% YoY+0.5% QoQ
|
+$560.6M |
$1.5B
+0.5% YoY
|
$453.8M
+8.0% YoY
|
$504.8M
+10.3% YoY
|
81% |
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| ROA |
0.6%
+14.8% YoY-8.4% QoQ
|
-0.2% |
0.8%
+27.6% YoY
|
1.1%
+36.8% YoY
|
1.2%
+121.4% YoY
|
30% |
| NIM |
3.3%
+4.3% YoY+1.3% QoQ
|
-0.1% |
3.4%
+6.6% YoY
|
4.1%
-0.3% YoY
|
3.8%
+2.3% YoY
|
37% |
| Efficiency Ratio |
80.5%
-2.8% YoY+5.0% QoQ
|
+7.5% |
73.0%
-2.7% YoY
|
78.8%
-0.4% YoY
|
83.0%
-5.3% YoY
|
81% |
| Delinquency Rate |
0.5%
-1.7% YoY+3.8% QoQ
|
-0.4 |
0.9%
+7.3% YoY
|
1.5%
+41.3% YoY
|
1.3%
+2.6% YoY
|
25% |
| Loan To Share |
84.5%
+6.4% YoY+1.3% QoQ
|
-0.2% |
84.7%
+0.1% YoY
|
70.2%
-1.6% YoY
|
66.4%
-1.4% YoY
|
43% |
| AMR |
$29,164
+0.7% YoY-0.2% QoQ
|
$-411 |
$29,575
+1.5% YoY
|
$17,498
+1.4% YoY
|
$20,028
-0.9% YoY
|
55% |
| CD Concentration |
19.5%
+4.2% YoY+1.8% QoQ
|
-9.5% | 29.1% | 20.2% | 20.0% | Bottom 12.5% in tier |
| Indirect Auto % |
17.1%
-6.2% YoY-1.9% QoQ
|
-1.0% | 18.1% | 4.3% | 7.7% | 54% |
Signature Analysis
Strengths (0)
Concerns (2)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)