BlastPoint's Credit Union Scorecard

LA LOMA

Charter #10351 · CA

1069 CUs in 100M-500M nationally 63 in CA

LA LOMA has 4 strengths but faces 8 concerns

National Analysis

How does the industry compare?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 0.0% in tier
+ Net Interest Margin 0.36% above tier average
+ AMR Growth Rate: Top 0.0% in tier
+ Total Delinquency Rate (60+ days): Top 9.1% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 0.0% in tier
- Stagnation Risk: Bottom 34.5% in tier
- Efficiency Drag: Bottom 97.2% in tier
- ROA 0.03% below tier average
- Efficiency ratio 4.14% above tier (higher cost structure)
- Member decline: -44.6% YoY
- Member Growth Rate: Bottom 0.3% in tier
- Total Assets: Bottom 9.5% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	7,025 -44.6% YoY-1.0% QoQ	-8.4K	15,437 -2.9% YoY	60,320 +5.7% YoY	33,374 +5.7% YoY	Bottom 10.9% in tier
Assets	$114.3M +3.3% YoY+2.5% QoQ	$-117.6M	$231.9M +1.3% YoY	$1.3B +6.2% YoY	$561.6M +9.7% YoY	Bottom 9.4% in tier
Loans	$72.2M +1.0% YoY-1.2% QoQ	$-75.2M	$147.3M -0.1% YoY	$856.7M +6.3% YoY	$397.0M +8.8% YoY	17%
Deposits	$108.7M +2.4% YoY+2.8% QoQ	$-92.1M	$200.8M +0.8% YoY	$1.1B +7.1% YoY	$477.3M +9.7% YoY	17%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.7% -21.9% YoY-6.9% QoQ	-0.0%	0.8% +18.2% YoY	0.5% +14.3% YoY	0.7% +15.9% YoY	48%
NIM	4.0% +6.6% YoY-1.0% QoQ	+0.4%	3.6% +6.7% YoY	3.3% +7.0% YoY	3.8% +5.1% YoY	71%
Efficiency Ratio	81.2% +4.6% YoY-1.3% QoQ	+4.1%	77.0% -3.1% YoY	80.7% -1.8% YoY	79.7% -3.3% YoY	64%
Delinquency Rate	0.2% -23.9% YoY+85.7% QoQ	-0.7	0.9% +4.2% YoY	0.7% -40.0% YoY	1.3% -2.1% YoY	Bottom 9.1% in tier
Loan To Share	66.4% -1.3% YoY-3.9% QoQ	-5.8%	72.2% -1.1% YoY	68.6% -1.3% YoY	67.4% -1.7% YoY	34%
AMR	$25,744 +83.9% YoY+2.2% QoQ	+$1K	$24,676 +3.4% YoY	$28,728 +2.4% YoY	$19,687 +2.0% YoY	66%
CD Concentration	11.1% +22.0% YoY-6.3% QoQ	-13.3%	24.4%	21.7%	19.8%	50%
Indirect Auto %	0.5% -56.3% YoY-12.9% QoQ	-13.3%	13.8%	9.2%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#1 of 513 • Top 0.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 83.92%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | Rank improving

Concerns (3)

Membership Headwinds

decline

#1 of 554 • Bottom 0.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -44.63%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#192 of 554 • Bottom 34.5% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -44.63%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 1.04%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.19%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Efficiency Drag

risk

#523 of 538 • Bottom 97.2% in tier

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

Why This Signature

Efficiency Ratio: 81.15%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.21% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -44.63%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (4 metrics)

AMR Growth Rate

growth

Value: 83.92%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.19%

Peer Median: -

#98 of 1069 Top 9.1% in 100M-500M tier

129

Share Certificate Concentration (%)

balance_sheet

Value: 11.13%

Peer Median: -

#129 of 1069 Top 12.0% in 100M-500M tier

266

Net Charge-Off Rate

risk

Value: 0.17%

Peer Median: -

#266 of 1069 Top 24.8% in 100M-500M tier

Top Weaknesses (6 metrics)

1067

Member Growth Rate

growth

Value: -44.63%

Peer Median: -

#1067 of 1069 Bottom 0.3% in 100M-500M tier

968

Total Assets

balance_sheet

Value: $114.29M

Peer Median: -

#968 of 1069 Bottom 9.5% in 100M-500M tier

953

Total Members

engagement

Value: 7,025

Peer Median: -

#953 of 1069 Bottom 10.9% in 100M-500M tier

889

Total Deposits

balance_sheet

Value: $108.70M

Peer Median: -

#889 of 1069 Bottom 16.9% in 100M-500M tier

887

Total Loans

balance_sheet

Value: $72.15M

Peer Median: -

#887 of 1069 Bottom 17.1% in 100M-500M tier

853

Net Worth Ratio

risk

Value: 9.49%

Peer Median: -

#853 of 1069 Bottom 20.3% in 100M-500M tier