BlastPoint's Credit Union Scorecard
LESCO
Charter #6785 · PA
LESCO has 7 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.17% above tier average
- + Deposit Growth Rate: Top 3.7% in tier
- + Members Per Employee (MPE): Top 4.8% in tier
- + Asset Growth Rate: Top 5.1% in tier
- + AMR Growth Rate: Top 8.5% in tier
- + First Mortgage Concentration (%): Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Cost Spiral: Bottom 50.0% in tier
- - Delinquency rate 0.73% above tier average
- - Total Loans: Bottom 0.4% in tier
- - Loan-to-Share Ratio: Bottom 0.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 0.7% in tier
- - Net Interest Margin (NIM): Bottom 2.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,842
-0.2% YoY-0.9% QoQ
|
-7.6K |
15,437
-2.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
16% |
| Assets |
$127.1M
+13.4% YoY+2.9% QoQ
|
$-104.8M |
$231.9M
+1.3% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
18% |
| Loans |
$24.0M
-4.0% YoY-2.0% QoQ
|
$-123.4M |
$147.3M
-0.1% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 0.3% in tier |
| Deposits |
$107.8M
+14.8% YoY+3.5% QoQ
|
$-93.0M |
$200.8M
+0.8% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
16% |
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| ROA |
0.9%
-29.1% YoY-32.1% QoQ
|
+0.2% |
0.8%
+18.2% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
63% |
| NIM |
2.1%
-13.5% YoY-17.4% QoQ
|
-1.5% |
3.6%
+6.7% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 2.2% in tier |
| Efficiency Ratio |
62.5%
+11.6% YoY+13.1% QoQ
|
-14.6% |
77.0%
-3.1% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
Top 10.1% in tier |
| Delinquency Rate |
1.6%
+20.3% YoY+3.7% QoQ
|
+0.7 |
0.9%
+4.2% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
Bottom 11.4% in tier |
| Loan To Share |
22.2%
-16.4% YoY-5.3% QoQ
|
-50.0% |
72.2%
-1.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 0.5% in tier |
| AMR |
$16,803
+11.0% YoY+3.3% QoQ
|
$-8K |
$24,676
+3.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
16% |
| CD Concentration |
22.1%
+28.4% YoY+1.6% QoQ
|
-2.3% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.1% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
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)