BlastPoint's Credit Union Scorecard
LAKES
Charter #10772 · IN
LAKES shows strong momentum with 4 strengths and 5.4% YoY member growth
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.36% above tier average
- + Strong member growth: 5.4% YoY
- + Member Growth Rate: Top 6.1% in tier
- + Net Charge-Off Rate: Top 7.1% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,014
+5.4% YoY-0.2% QoQ
|
+337 |
2,676
+1.6% YoY
|
22,524
+2.8% YoY
|
33,913
+5.7% YoY
|
68% |
| Assets |
$27.5M
+3.6% YoY+6.4% QoQ
|
$-2.6M |
$30.2M
+1.3% YoY
|
$399.0M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
57% |
| Loans |
$15.6M
+1.5% YoY-1.0% QoQ
|
+$313K |
$15.3M
-2.0% YoY
|
$281.9M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
63% |
| Deposits |
$23.4M
+1.9% YoY+7.0% QoQ
|
$-2.4M |
$25.8M
+0.7% YoY
|
$336.4M
+8.1% YoY
|
$494.3M
+9.1% YoY
|
57% |
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| ROA |
0.5%
-74.6% YoY-75.8% QoQ
|
+0.4% |
0.1%
-77.6% YoY
|
0.6%
-3.4% YoY
|
0.4%
-39.2% YoY
|
45% |
| NIM |
4.0%
-9.2% YoY-11.5% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
3.7%
-1.2% YoY
|
3.8%
+4.1% YoY
|
58% |
| Efficiency Ratio |
59.4%
-4.6% YoY-2.8% QoQ
|
-31.2% |
90.6%
+6.5% YoY
|
86.7%
+4.4% YoY
|
84.6%
+2.8% YoY
|
Top 11.4% in tier |
| Delinquency Rate |
0.8%
+150.3% YoY+796.6% QoQ
|
-0.7 |
1.5%
+3.8% YoY
|
1.1%
+11.5% YoY
|
1.2%
+3.4% YoY
|
58% |
| Loan To Share |
66.8%
-0.4% YoY-7.5% QoQ
|
+8.2% |
58.5%
-3.0% YoY
|
67.3%
+1.1% YoY
|
65.6%
-1.4% YoY
|
62% |
| AMR |
$12,924
-3.5% YoY+3.8% QoQ
|
$-2K |
$14,884
-1.7% YoY
|
$18,911
+5.2% YoY
|
$19,920
+1.6% YoY
|
44% |
| CD Concentration |
7.5%
+94.1% YoY+80.9% QoQ
|
-16.8% | 24.3% | 18.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.4% | 7.7% | 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)