LGE COMMUNITY

Charter #68581 | GA

1B-3B (304 CUs) Mid-Market (380 CUs)
5 1B-3B in GA

LGE COMMUNITY has 2 strengths but faces 11 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 30.2% in tier
  • + Organic Growth Leader: Top 31.4% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 5.8% in tier
  • - Deposit Outflow: Bottom 8.2% in tier
  • - Growth-at-Risk: Bottom 9.7% in tier
  • - Efficiency Drag: Bottom 19.8% in tier
  • - Flatlined Growth: Bottom 22.9% in tier
  • - Liquidity Overhang: Bottom 24.3% in tier
  • - Shrinking Wallet Share: Bottom 26.7% in tier
  • - Indirect Auto Dependency: Bottom 31.7% in tier
  • - ROA 0.07% below tier average
  • - Efficiency ratio 6.26% above tier (higher cost structure)
  • - Deposit Growth Rate: Bottom 7.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Members 123,971
+1.2% YoY+0.8% QoQ
 +25.3K 98,678
-1.9% YoY
 30,529
+3.7% YoY
 33,089
+6.1% YoY
 Top 24.0% in tier
Assets $2.3B
-0.6% YoY-0.8% QoQ
 +$590.7M $1.7B
+0.5% YoY
 $489.5M
+5.8% YoY
 $547.7M
+7.8% YoY
 Top 20.4% in tier
Loans $1.6B
+4.3% YoY+2.0% QoQ
 +$374.5M $1.2B
+0.5% YoY
 $335.0M
+9.2% YoY
 $388.7M
+8.6% YoY
 Top 23.7% in tier
Deposits $1.9B
-2.4% YoY-1.9% QoQ
 +$493.4M $1.5B
+1.3% YoY
 $419.7M
+4.9% YoY
 $464.6M
+9.3% YoY
 Top 20.4% in tier
ROA 0.6%
+21.9% YoY+26.5% QoQ
 -0.1% 0.7%
+13.4% YoY
 1.1%
+41.8% YoY
 0.7%
+273.4% YoY
 47th in tier
NIM 3.2%
+11.6% YoY+2.8% QoQ
 -0.0% 3.3%
+9.3% YoY
 4.2%
+4.4% YoY
 3.7%
+5.0% YoY
 47th in tier
Efficiency Ratio 80.2%
-0.6% YoY-3.1% QoQ
 +6.3% 74.0%
-10.9% YoY
 76.7%
+1.1% YoY
 79.1%
-3.3% YoY
 74th in tier
Delinquency Rate 0.4%
+245.1% YoY-8.3% QoQ
 -0.4 0.8%
+6.1% YoY
 1.3%
+2.5% YoY
 1.2%
-0.9% YoY
 Bottom 24.7% in tier
Loan To Share 82.5%
+6.9% YoY+4.0% QoQ
 -2.7% 85.2%
-0.8% YoY
 72.3%
+1.1% YoY
 68.0%
-1.7% YoY
 36th in tier
AMR $28,678
-0.6% YoY-1.0% QoQ
 $-494 $29,172
+2.8% YoY
 $17,296
+4.1% YoY
 $19,418
+1.3% YoY
 58th in tier
CD Concentration 18.9%
-11.0% YoY+0.5% QoQ
 -10.1% 29.0%
+0.8% YoY
 19.9%
+4.7% YoY
 19.6%
+6.2% YoY
 Bottom 11.3% in tier
Indirect Auto % 17.9%
-4.1% YoY-1.5% QoQ
 -0.9% 18.8%
-2.8% YoY
 4.6%
+4.3% YoY
 7.9%
-2.9% YoY
 53rd in tier

Signature Analysis

Strengths (2)

Organic Growth Engine

growth
#220 of 246 • Top 30.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.16%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.63%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 17.91%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | New qualifier

Organic Growth Leader

growth
#124 of 138 • Top 31.4% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 1.16%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | New qualifier

Concerns (8)

Credit Quality Pressure

risk
#45 of 217 • Bottom 5.8% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.31% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

Deposit Outflow

decline
#11 of 25 • Bottom 8.2% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -2.39%
(Tier: 6.24%, National: 12.00%)
worse than tier avg
Total Assets: $2.31B
(Tier: $1.72B, National: $547.69M)
but better than tier avg
25 of 380 Mid-Market CUs have this signature | 143 nationally
↓ Shrinking -42 CUs YoY | New qualifier

Growth-at-Risk

risk
#55 of 161 • Bottom 9.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 4.31%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.31% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | Rank improving

Efficiency Drag

risk
#66 of 96 • Bottom 19.8% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 80.23%
(Tier: 73.45%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.11% points
(Tier: 0.07% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): 1.16%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
96 of 380 Mid-Market CUs have this signature | 624 nationally
↓ Shrinking -32 CUs YoY | Rank improving

Flatlined Growth

risk
#9 of 18 • Bottom 22.9% in tier

Asset growth has flattened despite healthy profitability. May indicate a need to reassess growth strategy.

Why This Signature
Total Assets: $2.31B
(Tier: $1.72B, National: $547.69M)
but better than tier avg
Asset Growth (YoY): -0.55%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Return on Assets: 0.63%
(Tier: 0.71%, National: 0.71%)
worse than tier avg
18 of 380 Mid-Market CUs have this signature | 82 nationally
→ Stable (18→18 CUs) | New qualifier

Liquidity Overhang

risk
#79 of 113 • Bottom 24.3% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.32%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 82.54%
(Tier: 86.35%, National: 67.96%)
worse than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY | New qualifier

Shrinking Wallet Share

decline
#82 of 83 • Bottom 26.7% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -0.62%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
83 of 380 Mid-Market CUs have this signature | 346 nationally
↓ Shrinking -55 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#196 of 202 • Bottom 31.7% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): -0.55%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 17.91%
(Tier: 18.80%, National: 7.90%)
but better than tier avg
Member Growth (YoY): 1.16%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank worsening

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)

Comparing against 304 peers in tier

Top Strengths (6 metrics)

37
Share Certificate Concentration (%)
balance_sheet
Value: 18.86%
Peer Avg: 28.53%
#37 of 304 Top 11.8% in 1B-3B tier
62
Total Assets
balance_sheet
Value: $2.31B
Peer Avg: $1.72B
#62 of 304 Top 20.1% in 1B-3B tier
62
Total Deposits
balance_sheet
Value: $1.95B
Peer Avg: $1.45B
#62 of 304 Top 20.1% in 1B-3B tier
72
Total Loans
balance_sheet
Value: $1.61B
Peer Avg: $1.23B
#72 of 304 Top 23.4% in 1B-3B tier
73
Total Members
engagement
Value: 123,971
Peer Avg: 98,678
#73 of 304 Top 23.7% in 1B-3B tier
76
Total Delinquency Rate (60+ days)
risk
Value: 0.44%
Peer Avg: 0.83%
#76 of 304 Top 24.7% in 1B-3B tier

Top Weaknesses (3 metrics)

281
Deposit Growth Rate
growth
Value: -2.39%
Peer Avg: 5.58%
#281 of 304 Bottom 7.9% in 1B-3B tier
257
Asset Growth Rate
growth
Value: -0.55%
Peer Avg: 4.83%
#257 of 304 Bottom 15.8% in 1B-3B tier
239
AMR Growth Rate
growth
Value: -0.62%
Peer Avg: 3.29%
#239 of 304 Bottom 21.7% in 1B-3B tier