BlastPoint's Credit Union Scorecard
LAKES
Charter #10772 · IN
LAKES demonstrates 4 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.34% above tier average
- + Net Interest Margin 0.56% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 9.2% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,038
-1.9% YoY-0.8% QoQ
|
+412 |
2,625
-2.2% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
68% |
| Assets |
$25.5M
+0.1% YoY-2.4% QoQ
|
$-4.3M |
$29.9M
+1.1% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
55% |
| Loans |
$16.0M
+11.2% YoY+0.3% QoQ
|
+$222K |
$15.8M
-2.4% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
63% |
| Deposits |
$21.6M
-2.0% YoY-3.3% QoQ
|
$-3.8M |
$25.5M
+0.4% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
55% |
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| ROA |
2.0%
+21.7% YoY-0.2% QoQ
|
+1.3% |
0.7%
-731.4% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
Top 8.6% in tier |
| NIM |
4.5%
+5.1% YoY+0.5% QoQ
|
+0.6% |
3.9%
+3.8% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
73% |
| Efficiency Ratio |
62.0%
+0.5% YoY+1.7% QoQ
|
-19.4% |
81.4%
-2.4% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
17% |
| Delinquency Rate |
0.6%
-70.3% YoY+175.5% QoQ
|
-0.9 |
1.5%
-2.0% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
47% |
| Loan To Share |
74.0%
+13.4% YoY+3.7% QoQ
|
+12.8% |
61.2%
-3.0% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
69% |
| AMR |
$12,375
+5.3% YoY-1.0% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
42% |
| CD Concentration |
3.5%
+7.7% YoY-9.4% QoQ
|
-20.9% |
24.4%
+4.2% YoY
|
19.0%
+9.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
11.0%
-3.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)