LANCO

Charter #16657 | PA

100M-500M (1077 CUs) Micro
61 100M-500M in PA

LANCO has 3 strengths but faces 11 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 22.2% in tier
  • + 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
  • - Deposit Outflow: Bottom 17.0% 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
 30th in tier
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
 Bottom 16.2% in tier
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
 26th in tier
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
 Bottom 18.4% in tier
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
 52nd in tier
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
 Top 20.0% in tier
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
 60th in tier
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
 59th in tier
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
 35th in tier
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
 50th in tier
Indirect Auto % 23.0%
+14.2% YoY+1.7% QoQ
 +9.0% 14.0%
-5.8% YoY
 8.0%
+2.0% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (1)

Emerging Performer

growth
#417 of 627 • Top 22.2% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.78%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): -1.06%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank worsening

Concerns (7)

Credit Quality Pressure

risk
#29 of 736 • Bottom 1.1% in tier

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

Why This Signature
Delinquency Change (YoY): 1.17% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Deposit Outflow

decline
#101 of 114 • Bottom 17.0% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -1.38%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Total Assets: $124.36M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
114 of 1077 Community CUs have this signature | 143 nationally
↓ Shrinking -169 CUs YoY | New qualifier

Cost Spiral

risk
#62 of 62 • Bottom 25.1% in tier

Historically lean operator now seeing efficiency ratio rise significantly. Efficiency advantage eroding - early intervention critical.

Why This Signature
Efficiency Ratio Change: 5.43% points
(Tier: -2.84% points, National: -1.81% points)
worse than tier avg
Efficiency Ratio (Prior Year): -
(Tier: -, National: -)
Total Assets: $124.36M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
62 of 1077 Community CUs have this signature | 80 nationally
↓ Shrinking -38 CUs YoY | New qualifier

Stagnation Risk

risk
#429 of 550 • Bottom 26.0% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.78%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -1.06%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $20.0K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 6.91%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Indirect Auto Dependency

risk
#451 of 525 • Bottom 28.0% in tier

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

Why This Signature
Asset Growth (YoY): -0.27%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 23.01%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -1.06%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Membership Headwinds

decline
#465 of 550 • Bottom 28.2% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -1.06%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Margin Compression

decline
#120 of 136 • Bottom 28.4% in tier

Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 0.78%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -0.25% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Total Assets: $124.36M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
136 of 1077 Community CUs have this signature | 169 nationally
↓ Shrinking -43 CUs YoY | Rank improving

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 1077 peers in tier

Top Strengths (2 metrics)

69
Share Certificate Concentration (%)
balance_sheet
Value: 6.91%
Peer Avg: 23.61%
#69 of 1077 Top 6.3% in 100M-500M tier
215
Net Interest Margin (NIM)
profitability
Value: 4.13%
Peer Avg: 3.58%
#215 of 1077 Top 19.9% in 100M-500M tier

Top Weaknesses (6 metrics)

982
Total Delinquency Rate (60+ days)
risk
Value: 1.85%
Peer Avg: 0.86%
#982 of 1077 Bottom 8.9% in 100M-500M tier
956
Deposit Growth Rate
growth
Value: -1.38%
Peer Avg: 4.69%
#956 of 1077 Bottom 11.3% in 100M-500M tier
902
Total Assets
balance_sheet
Value: $124.36M
Peer Avg: $231.30M
#902 of 1077 Bottom 16.3% in 100M-500M tier
891
Asset Growth Rate
growth
Value: -0.27%
Peer Avg: 4.70%
#891 of 1077 Bottom 17.4% in 100M-500M tier
879
Total Deposits
balance_sheet
Value: $110.68M
Peer Avg: $200.29M
#879 of 1077 Bottom 18.5% in 100M-500M tier
823
Indirect Auto Concentration (%)
balance_sheet
Value: 23.01%
Peer Avg: 13.34%
#823 of 1077 Bottom 23.7% in 100M-500M tier