BlastPoint's Credit Union Scorecard

LANCO

Charter #16657 · PA

100M-500M
1070 CUs in 100M-500M nationally 62 in PA

LANCO has 3 strengths but faces 5 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

  • + ROA 0.50% above tier average
  • + Net Interest Margin 0.64% above tier average
  • + Share Certificate Concentration (%): Top 4.0% in tier

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 50.0% in tier
  • - Shrinking Wallet Share: Bottom 50.0% in tier
  • - Indirect Auto Dependency: Bottom 50.0% in tier
  • - Deposit Growth Rate: Bottom 6.0% in tier
  • - Asset Growth Rate: Bottom 6.8% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Members 9,983
+0.6% YoY+0.5% QoQ
 -5.2K 15,145
-2.5% YoY
 18,228
+6.1% YoY
 33,913
+5.7% YoY
 32%
Assets $126.5M
-2.7% YoY+2.4% QoQ
 $-105.2M $231.7M
+0.8% YoY
 $307.3M
+11.2% YoY
 $578.3M
+9.0% YoY
 18%
Loans $87.1M
+3.1% YoY+0.3% QoQ
 $-57.1M $144.1M
+0.2% YoY
 $202.4M
+9.8% YoY
 $402.4M
+8.7% YoY
 28%
Deposits $111.8M
-3.7% YoY+4.0% QoQ
 $-89.3M $201.1M
+0.4% YoY
 $264.3M
+10.7% YoY
 $494.3M
+9.1% YoY
 18%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 1.2%
+38.3% YoY+63.0% QoQ
 +0.5% 0.7%
+5.1% YoY
 0.8%
+3.2% YoY
 0.4%
-39.2% YoY
 80%
NIM 4.3%
+10.2% YoY+0.1% QoQ
 +0.6% 3.6%
+4.6% YoY
 3.5%
+3.1% YoY
 3.8%
+4.1% YoY
 84%
Efficiency Ratio 76.8%
-1.3% YoY-5.2% QoQ
 -1.2% 78.0%
-1.7% YoY
 78.0%
-8.8% YoY
 84.6%
+2.8% YoY
 43%
Delinquency Rate 0.5%
-19.2% YoY-41.9% QoQ
 -0.3 0.8%
+7.1% YoY
 1.2%
-7.0% YoY
 1.2%
+3.4% YoY
 41%
Loan To Share 77.9%
+7.0% YoY-3.5% QoQ
 +7.5% 70.4%
-0.4% YoY
 52.5%
-2.7% YoY
 65.6%
-1.4% YoY
 62%
AMR $19,923
-1.4% YoY+1.9% QoQ
 $-5K $24,918
+2.7% YoY
 $16,757
+3.3% YoY
 $19,920
+1.6% YoY
 32%
CD Concentration 4.2%
-61.7% YoY-1.9% QoQ
 -20.1% 24.3% 15.4% 19.8% 50%
Indirect Auto % 24.0%
+7.7% YoY+3.0% QoQ
 +10.1% 13.8% 8.3% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Deposit Outflow

decline
#41 of 72 • Bottom 50.0% 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): -3.68%
(Tier: 4.30%, National: 64.06%)
worse than tier avg
Member Growth (YoY): 0.58%
(Tier: 0.72%, National: 10.19%)
worse than tier avg
72 of 1070 Mid-Small & Community CUs have this signature | 98 nationally
→ No prior data (72 CUs now) | New qualifier

Shrinking Wallet Share

decline
#182 of 238 • Bottom 50.0% in tier

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

Why This Signature
AMR Growth (YoY): -1.40%
(Tier: 3.74%, National: 6.36%)
worse than tier avg
238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally
↓ Shrinking -109 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#469 of 504 • Bottom 50.0% in tier

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

Why This Signature
Asset Growth (YoY): -2.74%
(Tier: 4.68%, National: 1663.40%)
worse than tier avg
Indirect Auto %: 23.95%
(Tier: 13.80%, National: 7.73%)
worse than tier avg
Member Growth (YoY): 0.58%
(Tier: 0.72%, National: 10.19%)
worse than tier avg
504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally
↓ Shrinking -29 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)

Comparing against 1070 peers in tier

Top Strengths (4 metrics)

44
Share Certificate Concentration (%)
balance_sheet
Value: 4.16%
Peer Median: 23.10%
#44 of 1070 Top 4.0% in 100M-500M tier
149
Net Charge-Off Rate
risk
Value: 0.07%
Peer Median: 0.35%
#149 of 1070 Top 13.8% in 100M-500M tier
166
Net Interest Margin (NIM)
profitability
Value: 4.27%
Peer Median: 3.62%
#166 of 1070 Top 15.4% in 100M-500M tier
212
Return on Assets (ROA)
profitability
Value: 1.22%
Peer Median: 0.69%
#212 of 1070 Top 19.7% in 100M-500M tier

Top Weaknesses (6 metrics)

1007
Deposit Growth Rate
growth
Value: -3.68%
Peer Median: 3.30%
#1007 of 1070 Bottom 6.0% in 100M-500M tier
998
Asset Growth Rate
growth
Value: -2.74%
Peer Median: 3.91%
#998 of 1070 Bottom 6.8% in 100M-500M tier
921
AMR Growth Rate
growth
Value: -1.40%
Peer Median: 3.46%
#921 of 1070 Bottom 14.0% in 100M-500M tier
881
Total Assets
balance_sheet
Value: $126.47M
Peer Median: $196.57M
#881 of 1070 Bottom 17.8% in 100M-500M tier
873
Total Deposits
balance_sheet
Value: $111.81M
Peer Median: $171.29M
#873 of 1070 Bottom 18.5% in 100M-500M tier
835
Indirect Auto Concentration (%)
balance_sheet
Value: 23.95%
Peer Median: 6.61%
#835 of 1070 Bottom 22.1% in 100M-500M tier
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