BlastPoint's Credit Union Scorecard
LONZA
Charter #14617 · PA
<100M
2556 CUs in <100M nationally
190 in PA
LONZA has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.68% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
- + Net Worth Ratio: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - ROA 1.11% below tier average
- - Efficiency ratio 28.05% above tier (higher cost structure)
- - Member decline: -5.9% YoY
- - Fee Income Per Member: Bottom 0.6% in tier
- - Total Members: Bottom 1.1% in tier
- - Total Assets: Bottom 3.0% in tier
- - Total Deposits: Bottom 3.1% in tier
- - Members Per Employee (MPE): Bottom 3.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
95
-5.9% YoY-2.1% QoQ
|
-2.5K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
Bottom 0.9% in tier |
| Assets |
$488,850
-3.1% YoY-7.9% QoQ
|
$-29.7M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Bottom 3.0% in tier |
| Loans |
$291,724
-7.0% YoY+9.4% QoQ
|
$-15.5M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 4.9% in tier |
| Deposits |
$358,402
-2.8% YoY-10.5% QoQ
|
$-25.3M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
Bottom 3.1% in tier |
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| ROA |
-0.5%
-229.6% YoY+207.4% QoQ
|
-1.1% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 9.2% in tier |
| NIM |
4.6%
-7.1% YoY+3.3% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
77% |
| Efficiency Ratio |
110.6%
+19.4% YoY+6.7% QoQ
|
+28.0% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 6.3% in tier |
| Delinquency Rate |
0.0%
-100.0% QoQ
|
-1.6 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
Top 0.1% in tier |
| Loan To Share |
81.4%
-4.3% YoY+22.3% QoQ
|
+20.8% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
80% |
| AMR |
$6,843
+1.3% YoY-0.5% QoQ
|
$-8K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 14.4% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.1% | 7.8% | 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 (8 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
255
Net Worth Ratio
risk
Value:
25.78%
Peer Median: -
#255 of 2556
Top 9.9% in <100M tier
507
Loan-to-Share Ratio
balance_sheet
Value:
81.40%
Peer Median: -
#507 of 2556
Top 19.8% in <100M tier
580
Net Interest Margin (NIM)
profitability
Value:
4.63%
Peer Median: -
#580 of 2556
Top 22.7% in <100M tier
Top Weaknesses (12 metrics)
2542
Fee Income Per Member
profitability
Value:
$-2.12
Peer Median: -
#2542 of 2556
Bottom 0.6% in <100M tier
2530
Total Members
engagement
Value:
95
Peer Median: -
#2530 of 2556
Bottom 1.1% in <100M tier
2480
Total Assets
balance_sheet
Value:
$488,850
Peer Median: -
#2480 of 2556
Bottom 3.0% in <100M tier
2477
Total Deposits
balance_sheet
Value:
$358,402
Peer Median: -
#2477 of 2556
Bottom 3.1% in <100M tier
2464
Members Per Employee (MPE)
engagement
Value:
47.500
Peer Median: -
#2464 of 2556
Bottom 3.6% in <100M tier
2432
Total Loans
balance_sheet
Value:
$291,724
Peer Median: -
#2432 of 2556
Bottom 4.9% in <100M tier
2396
Efficiency Ratio
profitability
Value:
110.61%
Peer Median: -
#2396 of 2556
Bottom 6.3% in <100M tier
2321
Return on Assets (ROA)
profitability
Value:
-0.49%
Peer Median: -
#2321 of 2556
Bottom 9.2% in <100M tier
2232
Member Growth Rate
growth
Value:
-5.94%
Peer Median: -
#2232 of 2556
Bottom 12.7% in <100M tier
2188
Average Member Relationship (AMR)
engagement
Value:
$6,843
Peer Median: -
#2188 of 2556
Bottom 14.4% in <100M tier