BlastPoint's Credit Union Scorecard
LEFORS
Charter #13777 · TX
LEFORS has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.11% above tier average
- + Net Interest Margin 0.96% above tier average
Key Concerns
Areas that may need attention
- - Efficiency ratio 4.30% above tier (higher cost structure)
- - Member decline: -3.2% YoY
- - Loan Growth Rate: Bottom 5.1% in tier
- - AMR Growth Rate: Bottom 6.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
536
-3.2% YoY-1.1% QoQ
|
-2.1K |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
Bottom 14.8% in tier |
| Assets |
$3.0M
-4.6% YoY-2.6% QoQ
|
$-27.2M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
Bottom 12.6% in tier |
| Loans |
$1.7M
-22.3% YoY-2.3% QoQ
|
$-13.6M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
16% |
| Deposits |
$2.3M
-6.1% YoY-3.3% QoQ
|
$-23.5M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
Bottom 12.4% in tier |
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| ROA |
0.3%
+49.9% YoY+166.2% QoQ
|
+0.1% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
33% |
| NIM |
5.0%
-3.8% YoY-5.1% QoQ
|
+1.0% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
Top 12.4% in tier |
| Efficiency Ratio |
94.9%
+8.1% YoY+6.3% QoQ
|
+4.3% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
78% |
| Delinquency Rate |
1.1%
-0.9% YoY-5.9% QoQ
|
-0.4 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
66% |
| Loan To Share |
72.8%
-17.3% YoY+1.0% QoQ
|
+14.3% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
71% |
| AMR |
$7,366
-10.8% YoY-1.8% QoQ
|
$-8K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
16% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.9% | 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)