BlastPoint's Credit Union Scorecard

LAKEVIEW

Charter #14584 · OH

100M-500M

1069 CUs in 100M-500M nationally 58 in OH

LAKEVIEW has 2 strengths but faces 7 concerns

National Analysis

How does the industry compare?

OH Analysis

How does OH stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.29% above tier average
+ Net Charge-Off Rate: Top 2.2% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Member decline: -4.1% YoY
- Loan-to-Share Ratio: Bottom 6.5% in tier
- Total Loans: Bottom 9.6% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	8,125 -4.1% YoY-1.0% QoQ	-7.3K	15,437 -2.9% YoY	16,819 +5.2% YoY	33,374 +5.7% YoY	18%
Assets	$150.8M +2.2% YoY-1.5% QoQ	$-81.1M	$231.9M +1.3% YoY	$253.6M +9.4% YoY	$561.6M +9.7% YoY	31%
Loans	$59.4M -1.0% YoY-1.3% QoQ	$-87.9M	$147.3M -0.1% YoY	$173.0M +7.8% YoY	$397.0M +8.8% YoY	Bottom 9.5% in tier
Deposits	$132.0M +1.3% YoY-2.0% QoQ	$-68.8M	$200.8M +0.8% YoY	$217.1M +9.6% YoY	$477.3M +9.7% YoY	31%

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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	1.1% +29.2% YoY+0.9% QoQ	+0.3%	0.8% +18.2% YoY	0.4% -22.9% YoY	0.7% +15.9% YoY	71%
NIM	3.2% +17.4% YoY+2.0% QoQ	-0.4%	3.6% +6.7% YoY	3.8% +3.7% YoY	3.8% +5.1% YoY	25%
Efficiency Ratio	71.3% -4.5% YoY-0.6% QoQ	-5.7%	77.0% -3.1% YoY	82.6% +2.4% YoY	79.7% -3.3% YoY	29%
Delinquency Rate	0.7% +307.3% YoY+244.9% QoQ	-0.2	0.9% +4.2% YoY	1.6% +33.3% YoY	1.3% -2.1% YoY	46%
Loan To Share	45.0% -2.2% YoY+0.6% QoQ	-27.2%	72.2% -1.1% YoY	63.0% -2.6% YoY	67.4% -1.7% YoY	Bottom 6.5% in tier
AMR	$23,555 +4.8% YoY-0.8% QoQ	$-1K	$24,676 +3.4% YoY	$17,423 +5.7% YoY	$19,687 +2.0% YoY	55%
CD Concentration	16.4% -1.9% YoY-11.1% QoQ	-8.0%	24.4%	19.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	11.2%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Credit Quality Pressure

risk

#128 of 705 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.49% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Stagnation Risk

risk

#182 of 554 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -4.10%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -1.01%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.65%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Membership Headwinds

decline

#183 of 554 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -4.10%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Institutional Decline

decline

#175 of 240 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $150.78M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -4.10%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -1.01%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

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 1069 peers in tier

Top Strengths (2 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.1% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.01%

Peer Median: -

#24 of 1069 Top 2.2% in 100M-500M tier

Top Weaknesses (8 metrics)

1000

Loan-to-Share Ratio

balance_sheet

Value: 45.01%

Peer Median: -

#1000 of 1069 Bottom 6.5% in 100M-500M tier

967

Total Loans

balance_sheet

Value: $59.40M

Peer Median: -

#967 of 1069 Bottom 9.6% in 100M-500M tier

936

First Mortgage Concentration (%)

balance_sheet

Value: 51.54%

Peer Median: -

#936 of 1069 Bottom 12.5% in 100M-500M tier

917

Member Growth Rate

growth

Value: -4.10%

Peer Median: -

#917 of 1069 Bottom 14.3% in 100M-500M tier

880

Total Members

engagement

Value: 8,125

Peer Median: -

#880 of 1069 Bottom 17.8% in 100M-500M tier

813

Fee Income Per Member

profitability

Value: $118.62

Peer Median: -

#813 of 1069 Bottom 24.0% in 100M-500M tier

809

Deposit Growth Rate

growth

Value: 1.25%

Peer Median: -

#809 of 1069 Bottom 24.4% in 100M-500M tier

803

Net Interest Margin (NIM)

profitability

Value: 3.16%

Peer Median: -

#803 of 1069 Bottom 25.0% in 100M-500M tier