BlastPoint's Credit Union Scorecard

LAWRENCE MEMORIAL HOSPITAL EMPLOYEE

Charter #13305 · CT

<100M

2508 CUs in <100M nationally 43 in CT

LAWRENCE MEMORIAL HOSPITAL EMPLOYEE demonstrates 3 strengths

National Analysis

How does the industry compare?

CT Analysis

How does CT stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 1.87% above tier average
+ Total Delinquency Rate (60+ days): Top 0.1% in tier
+ Efficiency Ratio: Top 8.7% 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 (CT)	National Avg	Tier Percentile
Members	2,922 -0.9% YoY-0.9% QoQ	+245	2,676 +1.6% YoY	14,157 +8.2% YoY	33,913 +5.7% YoY	66%
Assets	$38.3M +3.3% YoY+2.7% QoQ	+$8.1M	$30.2M +1.3% YoY	$246.5M +13.9% YoY	$578.3M +9.0% YoY	67%
Loans	$8.9M -6.8% YoY-3.6% QoQ	$-6.4M	$15.3M -2.0% YoY	$136.3M +13.4% YoY	$402.4M +8.7% YoY	49%
Deposits	$29.6M +1.3% YoY+2.9% QoQ	+$3.8M	$25.8M +0.7% YoY	$217.1M +13.8% YoY	$494.3M +9.1% YoY	64%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	2.0% -9.4% YoY-10.9% QoQ	+1.9%	0.1% -77.6% YoY	0.6% +218.7% YoY	0.4% -39.2% YoY	Top 6.2% in tier
NIM	3.9% -5.8% YoY-6.1% QoQ	-0.1%	4.0% +4.0% YoY	3.6% +1.6% YoY	3.8% +4.1% YoY	56%
Efficiency Ratio	56.4% +1.6% YoY+3.3% QoQ	-34.2%	90.6% +6.5% YoY	83.6% -6.8% YoY	84.6% +2.8% YoY	Top 8.7% in tier
Delinquency Rate	0.0%	-1.5	1.5% +3.8% YoY	2.5% +122.5% YoY	1.2% +3.4% YoY	Top 0.1% in tier
Loan To Share	30.2% -8.0% YoY-6.3% QoQ	-28.3%	58.5% -3.0% YoY	52.8% -1.3% YoY	65.6% -1.4% YoY	Bottom 11.8% in tier
AMR	$13,174 +0.2% YoY+2.3% QoQ	$-2K	$14,884 -1.7% YoY	$17,581 +5.9% YoY	$19,920 +1.6% YoY	46%
CD Concentration	16.2% +19.0% YoY-0.8% QoQ	-8.1%	24.3%	14.5%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	4.5%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (7 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.00%

Peer Median: 0.65%

#1 of 2508 Top 0.1% in <100M tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

156

Return on Assets (ROA)

profitability

Value: 2.02%

Peer Median: 0.61%

#156 of 2508 Top 6.2% in <100M tier

218

Efficiency Ratio

profitability

Value: 56.39%

Peer Median: 81.45%

#218 of 2508 Top 8.7% in <100M tier

300

Net Charge-Off Rate

risk

Value: -0.06%

Peer Median: 0.07%

#300 of 2508 Top 11.9% in <100M tier

392

Net Worth Ratio

risk

Value: 22.54%

Peer Median: 14.28%

#392 of 2508 Top 15.6% in <100M tier

400

Members Per Employee (MPE)

engagement

Value: 487.000

Peer Median: 333.750

#400 of 2508 Top 15.9% in <100M tier

Top Weaknesses (1 metrics)

2211

Loan-to-Share Ratio

balance_sheet

Value: 30.20%

Peer Median: 58.72%

#2211 of 2508 Bottom 11.9% in <100M tier