BlastPoint's Credit Union Scorecard
LOS ANGELES LEE
Charter #16570 · CA
2556 CUs in <100M nationally
91 in CA
LOS ANGELES LEE has 7 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.11% 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
- + AMR Growth Rate: Top 8.1% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
- + Loan Growth Rate: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 11.28% above tier average
- - Member decline: -8.0% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Members: Bottom 0.5% in tier
- - Total Delinquency Rate (60+ days): Bottom 1.7% in tier
- - Total Assets: Bottom 3.9% in tier
- - Total Deposits: Bottom 4.1% in tier
- - Total Loans: Bottom 5.1% in tier
- - Member Growth Rate: Bottom 7.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
69
-8.0% YoY+3.0% QoQ
|
-2.5K |
2,615
-1.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
Bottom 0.5% in tier |
| Assets |
$644,165
-1.2% YoY-2.1% QoQ
|
$-29.5M |
$30.1M
+2.1% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 3.9% in tier |
| Loans |
$302,278
+11.1% YoY+4.3% QoQ
|
$-15.5M |
$15.8M
-1.3% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
Bottom 5.0% in tier |
| Deposits |
$492,091
-2.5% YoY-2.2% QoQ
|
$-25.2M |
$25.7M
+1.4% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
Bottom 4.1% in tier |
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| ROA |
0.7%
-38.8% YoY-56.9% QoQ
|
+0.1% |
0.6%
+10.8% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
53% |
| NIM |
3.8%
+60.4% YoY+12.7% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
46% |
| Efficiency Ratio |
81.1%
+35.9% YoY+61.4% QoQ
|
-1.5% |
82.6%
-2.3% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
53% |
| Delinquency Rate |
12.8%
+68.8% YoY+8.3% QoQ
|
+11.3 |
1.6%
-3.1% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
Top 1.7% in tier |
| Loan To Share |
61.4%
+14.0% YoY+6.6% QoQ
|
+0.8% |
60.6%
-3.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
51% |
| AMR |
$11,513
+11.1% YoY-2.7% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
37% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 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 (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
207
AMR Growth Rate
growth
Value:
11.12%
Peer Median: -
#207 of 2556
Top 8.1% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
236
Loan Growth Rate
growth
Value:
11.10%
Peer Median: -
#236 of 2556
Top 9.2% in <100M tier
359
Net Worth Ratio
risk
Value:
23.22%
Peer Median: -
#359 of 2556
Top 14.0% in <100M tier
Top Weaknesses (8 metrics)
2556
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: -
#2556 of 2556
Bottom 0.0% in <100M tier
2543
Total Members
engagement
Value:
69
Peer Median: -
#2543 of 2556
Bottom 0.5% in <100M tier
2513
Total Delinquency Rate (60+ days)
risk
Value:
12.84%
Peer Median: -
#2513 of 2556
Bottom 1.7% in <100M tier
2457
Total Assets
balance_sheet
Value:
$644,165
Peer Median: -
#2457 of 2556
Bottom 3.9% in <100M tier
2452
Total Deposits
balance_sheet
Value:
$492,091
Peer Median: -
#2452 of 2556
Bottom 4.1% in <100M tier
2427
Total Loans
balance_sheet
Value:
$302,278
Peer Median: -
#2427 of 2556
Bottom 5.1% in <100M tier
2357
Member Growth Rate
growth
Value:
-8.00%
Peer Median: -
#2357 of 2556
Bottom 7.8% in <100M tier
2165
Fee Income Per Member
profitability
Value:
$6.72
Peer Median: -
#2165 of 2556
Bottom 15.3% in <100M tier