BlastPoint's Credit Union Scorecard
LAKEVIEW
Charter #14584 · OH
LAKEVIEW has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Credit Quality Leader: Top 36.6% in tier
- + ROA 0.26% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 5.1% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 5.9% in tier
- - Membership Headwinds: Bottom 15.4% in tier
- - Institutional Decline: Bottom 27.8% in tier
- - Member decline: -2.7% YoY
- - Loan-to-Share Ratio: Bottom 6.3% in tier
- - Total Loans: Bottom 9.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,209
-2.7% YoY-0.8% QoQ
|
-7.4K |
15,628
-3.4% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
17% |
| Assets |
$153.1M
+4.6% YoY+1.0% QoQ
|
$-78.2M |
$231.3M
-0.0% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
32% |
| Loans |
$60.2M
-1.7% YoY+0.4% QoQ
|
$-87.6M |
$147.8M
-1.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
Bottom 9.7% in tier |
| Deposits |
$134.6M
+3.6% YoY+0.8% QoQ
|
$-65.7M |
$200.3M
-0.0% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
32% |
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| ROA |
1.0%
+37.1% YoY+1.4% QoQ
|
+0.3% |
0.8%
+15.5% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
68% |
| NIM |
3.1%
+17.1% YoY+2.0% QoQ
|
-0.5% |
3.6%
+6.9% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
23% |
| Efficiency Ratio |
71.7%
-5.3% YoY-0.4% QoQ
|
-5.5% |
77.3%
-3.0% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
30% |
| Delinquency Rate |
0.2%
-43.6% YoY+52.8% QoQ
|
-0.7 |
0.9%
+7.6% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
Bottom 10.0% in tier |
| Loan To Share |
44.7%
-5.1% YoY-0.4% QoQ
|
-28.0% |
72.7%
-1.5% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
Bottom 6.2% in tier |
| AMR |
$23,733
+4.8% YoY+1.5% QoQ
|
$-630 |
$24,363
+2.9% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
58% |
| CD Concentration |
18.5%
+11.6% YoY+2.6% QoQ
|
-5.9% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
11.2%
-0.8% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (3)
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)