BlastPoint's Credit Union Scorecard
LONZA
Charter #14617 · PA
2596 CUs in <100M nationally
198 in PA
LONZA has 5 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.55% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.84% below tier average
- - Efficiency ratio 22.28% above tier (higher cost structure)
- - Member decline: -4.9% YoY
- - Fee Income Per Member: Bottom 0.5% in tier
- - Total Members: Bottom 1.2% in tier
- - Total Assets: Bottom 3.3% in tier
- - Total Deposits: Bottom 3.6% in tier
- - Members Per Employee (MPE): Bottom 3.7% in tier
- - Total Loans: Bottom 4.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
97
-4.9% YoY-3.0% QoQ
|
-2.5K |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
Bottom 1.2% in tier |
| Assets |
$530,843
-6.0% YoY-0.2% QoQ
|
$-29.3M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 3.3% in tier |
| Loans |
$266,560
-8.5% YoY-8.4% QoQ
|
$-15.5M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
Bottom 4.8% in tier |
| Deposits |
$400,615
-7.2% YoY-0.0% QoQ
|
$-25.1M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 3.5% in tier |
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| ROA |
-0.2%
-162.5% YoY-218.9% QoQ
|
-0.8% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 13.1% in tier |
| NIM |
4.5%
-5.3% YoY-1.0% QoQ
|
+0.5% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
72% |
| Efficiency Ratio |
103.7%
+9.4% YoY+6.7% QoQ
|
+22.3% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
Top 9.2% in tier |
| Delinquency Rate | 0.2% | -1.3 |
1.5%
-2.0% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
29% |
| Loan To Share |
66.5%
-1.4% YoY-8.4% QoQ
|
+5.3% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
57% |
| AMR |
$6,878
-3.0% YoY-0.5% QoQ
|
$-8K |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
Bottom 14.7% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
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)
Top Strengths (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
332
Net Worth Ratio
risk
Value:
23.76%
Peer Avg: -
#332 of 2596
Top 12.8% in <100M tier
Top Weaknesses (14 metrics)
2585
Fee Income Per Member
profitability
Value:
$-9.06
Peer Avg: -
#2585 of 2596
Bottom 0.5% in <100M tier
2565
Total Members
engagement
Value:
97
Peer Avg: -
#2565 of 2596
Bottom 1.2% in <100M tier
2511
Total Assets
balance_sheet
Value:
$530,843
Peer Avg: -
#2511 of 2596
Bottom 3.3% in <100M tier
2504
Total Deposits
balance_sheet
Value:
$400,615
Peer Avg: -
#2504 of 2596
Bottom 3.6% in <100M tier
2501
Members Per Employee (MPE)
engagement
Value:
48.500
Peer Avg: -
#2501 of 2596
Bottom 3.7% in <100M tier
2471
Total Loans
balance_sheet
Value:
$266,560
Peer Avg: -
#2471 of 2596
Bottom 4.9% in <100M tier
2359
Efficiency Ratio
profitability
Value:
103.67%
Peer Avg: -
#2359 of 2596
Bottom 9.2% in <100M tier
2297
Deposit Growth Rate
growth
Value:
-7.23%
Peer Avg: -
#2297 of 2596
Bottom 11.6% in <100M tier
2293
Asset Growth Rate
growth
Value:
-5.96%
Peer Avg: -
#2293 of 2596
Bottom 11.7% in <100M tier
2257
Return on Assets (ROA)
profitability
Value:
-0.16%
Peer Avg: -
#2257 of 2596
Bottom 13.1% in <100M tier