BlastPoint's Credit Union Scorecard

LANCO

Charter #16657 · PA

1069 CUs in 100M-500M nationally 61 in PA

LANCO has 2 strengths but faces 13 concerns

National Analysis

How does the industry compare?

PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.66% above tier average
+ Share Certificate Concentration (%): Top 4.3% in tier

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 33.8% in tier
- Shrinking Wallet Share: Bottom 38.6% in tier
- Efficiency Drag: Bottom 58.3% in tier
- Credit Quality Pressure: Bottom 70.2% in tier
- Cost Spiral: Bottom 88.9% in tier
- Margin Compression: Bottom 89.3% in tier
- Credit Risk Growth: Bottom 93.6% in tier
- Indirect Auto Dependency: Bottom 94.7% in tier
- ROA 0.01% below tier average
- Efficiency ratio 3.98% above tier (higher cost structure)
- Deposit Growth Rate: Bottom 2.0% in tier
- Asset Growth Rate: Bottom 4.5% in tier
- AMR Growth Rate: Bottom 6.4% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	9,935 -0.1% YoY+0.4% QoQ	-5.5K	15,437 -2.9% YoY	17,996 +7.1% YoY	33,374 +5.7% YoY	31%
Assets	$123.5M -3.5% YoY-0.7% QoQ	$-108.3M	$231.9M +1.3% YoY	$296.9M +12.6% YoY	$561.6M +9.7% YoY	16%
Loans	$86.8M +0.7% YoY-0.1% QoQ	$-60.6M	$147.3M -0.1% YoY	$199.3M +10.4% YoY	$397.0M +8.8% YoY	27%
Deposits	$107.5M -6.8% YoY-2.9% QoQ	$-93.3M	$200.8M +0.8% YoY	$254.8M +12.3% YoY	$477.3M +9.7% YoY	16%

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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	0.8% -24.0% YoY-4.0% QoQ	-0.0%	0.8% +18.2% YoY	0.6% -8.3% YoY	0.7% +15.9% YoY	50%
NIM	4.3% +9.2% YoY+3.2% QoQ	+0.7%	3.6% +6.7% YoY	3.5% +3.8% YoY	3.8% +5.1% YoY	84%
Efficiency Ratio	81.0% +8.6% YoY+1.7% QoQ	+4.0%	77.0% -3.1% YoY	76.7% -2.4% YoY	79.7% -3.3% YoY	63%
Delinquency Rate	0.8% +15.0% YoY-54.3% QoQ	-0.0	0.9% +4.2% YoY	1.3% -10.1% YoY	1.3% -2.1% YoY	59%
Loan To Share	80.7% +7.9% YoY+2.9% QoQ	+8.5%	72.2% -1.1% YoY	54.3% -3.4% YoY	67.4% -1.7% YoY	66%
AMR	$19,553 -3.5% YoY-2.0% QoQ	$-5K	$24,676 +3.4% YoY	$16,567 +4.7% YoY	$19,687 +2.0% YoY	31%
CD Concentration	4.2% -63.1% YoY-38.6% QoQ	-20.2%	24.4%	15.5%	19.8%	50%
Indirect Auto %	23.3% +11.5% YoY+1.1% QoQ	+9.5%	13.8%	8.1%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (8)

Deposit Outflow

decline

#24 of 69 • Bottom 33.8% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -6.76%

(Tier: 5.05%, National: 13.79%)

worse than tier avg

Member Growth (YoY): -0.13%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

69 of 1069 Mid-Small & Community CUs have this signature | 91 nationally

→ No prior data (69 CUs now) | New qualifier

Shrinking Wallet Share

decline

#81 of 208 • Bottom 38.6% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -3.46%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY | New qualifier

Efficiency Drag

risk

#314 of 538 • Bottom 58.3% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 80.99%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.24% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -0.13%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | New qualifier

Credit Quality Pressure

risk

#495 of 705 • Bottom 70.2% in tier

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

Why This Signature

Delinquency Change (YoY): 0.11% 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 worsening

Cost Spiral

risk

#41 of 46 • Bottom 88.9% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 6.44% points

(Tier: -2.44% points, National: -1.81% points)

worse than tier avg

Efficiency Ratio (Prior Year): 64.91%

(Tier: 60.04%, National: 63.66%)

worse than tier avg

46 of 1069 Mid-Small & Community CUs have this signature | 58 nationally

↓ Shrinking -30 CUs YoY | New qualifier

Margin Compression

decline

#110 of 123 • Bottom 89.3% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.75%

(Tier: 0.75%, National: 0.67%)

but better than tier avg

ROA (Prior Year): 0.99%

(Tier: 0.63%, National: 0.62%)

but better than tier avg

ROA Change (YoY): -0.24% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

123 of 1069 Mid-Small & Community CUs have this signature | 145 nationally

→ No prior data (123 CUs now) | New qualifier

Credit Risk Growth

risk

#427 of 456 • Bottom 93.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 0.65%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.11% points

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

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Indirect Auto Dependency

risk

#479 of 506 • Bottom 94.7% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): -3.55%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 23.25%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -0.13%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank worsening

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)

Share Certificate Concentration (%)

balance_sheet

Value: 4.24%

Peer Median: -

#47 of 1069 Top 4.3% in 100M-500M tier

171

Net Interest Margin (NIM)

profitability

Value: 4.26%

Peer Median: -

#171 of 1069 Top 15.9% in 100M-500M tier

Top Weaknesses (6 metrics)

1049

Deposit Growth Rate

growth

Value: -6.76%

Peer Median: -

#1049 of 1069 Bottom 2.0% in 100M-500M tier

1022

Asset Growth Rate

growth

Value: -3.55%

Peer Median: -

#1022 of 1069 Bottom 4.5% in 100M-500M tier

1002

AMR Growth Rate

growth

Value: -3.46%

Peer Median: -

#1002 of 1069 Bottom 6.4% in 100M-500M tier

902

Total Assets

balance_sheet

Value: $123.53M

Peer Median: -

#902 of 1069 Bottom 15.7% in 100M-500M tier

898

Total Deposits

balance_sheet

Value: $107.48M

Peer Median: -

#898 of 1069 Bottom 16.1% in 100M-500M tier

824

Indirect Auto Concentration (%)

balance_sheet

Value: 23.25%

Peer Median: -

#824 of 1069 Bottom 23.0% in 100M-500M tier