BlastPoint's Credit Union Scorecard
LOCOMOTIVE & CONTROL EMPLOYEES
Charter #1111 · PA
LOCOMOTIVE & CONTROL EMPLOYEES has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.29% above tier average
- + Efficiency Ratio: Top 7.1% in tier
- + Net Worth Ratio: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Member decline: -5.4% YoY
- - First Mortgage Concentration (%): Bottom 3.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
901
-5.4% YoY-2.5% QoQ
|
-1.8K |
2,676
+1.6% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
26% |
| Assets |
$19.9M
+2.8% YoY+1.4% QoQ
|
$-10.3M |
$30.2M
+1.3% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
47% |
| Loans |
$4.6M
-2.5% YoY-4.3% QoQ
|
$-10.6M |
$15.3M
-2.0% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
33% |
| Deposits |
$14.6M
+1.2% YoY+1.5% QoQ
|
$-11.2M |
$25.8M
+0.7% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
44% |
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| ROA |
1.4%
-24.1% YoY-29.5% QoQ
|
+1.3% |
0.1%
-77.6% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
84% |
| NIM |
3.4%
-6.7% YoY-5.6% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
33% |
| Efficiency Ratio |
54.3%
+4.7% YoY+17.1% QoQ
|
-36.3% |
90.6%
+6.5% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
Top 7.1% in tier |
| Delinquency Rate |
1.0%
+676.3% YoY+46.2% QoQ
|
-0.5 |
1.5%
+3.8% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
63% |
| Loan To Share |
31.8%
-3.6% YoY-5.7% QoQ
|
-26.7% |
58.5%
-3.0% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
Bottom 13.0% in tier |
| AMR |
$21,327
+5.9% YoY+2.6% QoQ
|
+$6K |
$14,884
-1.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
82% |
| CD Concentration |
21.8%
+14.7% YoY+0.1% QoQ
|
-2.4% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.3% | 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)