BlastPoint's Credit Union Scorecard
LEBANON
Charter #19510 · PA
LEBANON has 2 strengths but faces 2 concerns
How does the industry compare?
What's your peer group doing?
How does PA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.56% above tier average
- + Net Interest Margin 0.77% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 38.9% in tier
- - Fee Income Per Member: Bottom 3.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 3 that size in Pennsylvania.
- Shares and deposits +3.6% year over year ($492M in shares and deposits).
- Membership: 36,466 members, +3.1% vs a year ago.
- Delinquency rate 0.61%.
- Return on assets 1.37%.
- Efficiency ratio 67.62% vs a 76.56% peer average.
- Loan-to-share ratio 86.69% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
36,466
+3.1% YoY+0.5% QoQ
|
-1.4K |
37,897
-5.0% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
48% |
| Assets |
$539.7M
+5.4% YoY+0.3% QoQ
|
$-82.7M |
$622.4M
+0.6% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
19% |
| Loans |
$426.7M
+9.3% YoY+1.9% QoQ
|
$-1.8M |
$428.5M
-0.7% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
48% |
| Deposits |
$492.2M
+3.6% YoY+0.1% QoQ
|
$-47.6M |
$539.8M
+0.9% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
28% |
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| ROA |
1.4%
+124.5% YoY-19.1% QoQ
|
+0.6% |
0.8%
+39.5% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
Top 12.1% in tier |
| NIM |
4.3%
+17.9% YoY-7.7% QoQ
|
+0.8% |
3.5%
+5.0% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
Top 9.1% in tier |
| Efficiency Ratio |
67.6%
-8.4% YoY+0.3% QoQ
|
-8.9% |
76.6%
-3.6% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
17% |
| Delinquency Rate |
0.6%
-24.9% YoY-5.2% QoQ
|
-0.2 |
0.8%
+3.1% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
41% |
| Loan To Share |
86.7%
+5.5% YoY+1.8% QoQ
|
+7.4% |
79.3%
-1.4% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
67% |
| AMR |
$25,199
+3.0% YoY+0.5% QoQ
|
$-2K |
$27,294
+4.1% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
46% |
| CD Concentration |
34.8%
-1.9% YoY-1.1% QoQ
|
+10.2% | 24.6% | 15.6% | 20.0% | 83% |
| Indirect Auto % |
19.8%
+3.8% YoY-2.2% QoQ
|
+6.2% | 13.6% | 8.4% | 7.7% | 71% |
Signature Analysis
Strengths (0)
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)