BlastPoint's Credit Union Scorecard
LANCO
Charter #16657 · PA
LANCO has 2 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.54% above tier average
- + Share Certificate Concentration (%): Top 6.3% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 1.1% in tier
- - Cost Spiral: Bottom 25.1% in tier
- - Stagnation Risk: Bottom 26.0% in tier
- - Indirect Auto Dependency: Bottom 28.0% in tier
- - Membership Headwinds: Bottom 28.2% in tier
- - Margin Compression: Bottom 28.4% in tier
- - ROA 0.01% below tier average
- - Efficiency ratio 2.35% above tier (higher cost structure)
- - Delinquency rate 0.99% above tier average
- - Total Delinquency Rate (60+ days): Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,900
-1.1% YoY+0.1% QoQ
|
-5.7K |
15,628
-3.4% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
30% |
| Assets |
$124.4M
-0.3% YoY-2.8% QoQ
|
$-106.9M |
$231.3M
-0.0% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
16% |
| Loans |
$86.9M
+0.2% YoY+1.3% QoQ
|
$-60.9M |
$147.8M
-1.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
26% |
| Deposits |
$110.7M
-1.4% YoY-3.5% QoQ
|
$-89.6M |
$200.3M
-0.0% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
18% |
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| ROA |
0.8%
-23.9% YoY+13.2% QoQ
|
-0.0% |
0.8%
+15.5% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
52% |
| NIM |
4.1%
+6.2% YoY+4.4% QoQ
|
+0.5% |
3.6%
+6.9% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
80% |
| Efficiency Ratio |
79.6%
+7.3% YoY+1.2% QoQ
|
+2.4% |
77.3%
-3.0% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
60% |
| Delinquency Rate |
1.9%
+173.4% YoY-2.7% QoQ
|
+1.0 |
0.9%
+7.6% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
Top 8.9% in tier |
| Loan To Share |
78.5%
+1.7% YoY+5.0% QoQ
|
+5.8% |
72.7%
-1.5% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
59% |
| AMR |
$19,953
+0.4% YoY-1.5% QoQ
|
$-4K |
$24,363
+2.9% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
35% |
| CD Concentration |
6.9%
-35.5% YoY-15.7% QoQ
|
-17.5% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
23.0%
+14.2% YoY+1.7% QoQ
|
+9.0% |
14.0%
-5.7% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (6)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)