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 1.01% above tier average
- + Net Interest Margin 1.20% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 35.5% in tier
- - Fee Income Per Member: Bottom 0.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
36,292
+3.2% YoY+0.9% QoQ
|
-1.8K |
38,079
-4.8% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
47% |
| Assets |
$538.0M
+5.8% YoY+2.5% QoQ
|
$-81.7M |
$619.7M
-0.2% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
20% |
| Loans |
$418.7M
+12.0% YoY+1.5% QoQ
|
$-651K |
$419.3M
-1.4% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
49% |
| Deposits |
$491.7M
+4.0% YoY+2.1% QoQ
|
$-47.7M |
$539.5M
-0.1% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
26% |
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| ROA |
1.7%
+173.1% YoY+95.1% QoQ
|
+1.0% |
0.7%
+36.0% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
Top 3.6% in tier |
| NIM |
4.7%
+27.7% YoY+16.1% QoQ
|
+1.2% |
3.5%
+4.5% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
Top 3.0% in tier |
| Efficiency Ratio |
67.4%
-8.4% YoY-3.1% QoQ
|
-11.0% |
78.4%
-3.7% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
Top 15.0% in tier |
| Delinquency Rate |
0.6%
-1.3% YoY-25.1% QoQ
|
-0.1 |
0.7%
-0.9% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
54% |
| Loan To Share |
85.1%
+7.7% YoY-0.5% QoQ
|
+7.5% |
77.7%
-1.2% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
69% |
| AMR |
$25,086
+4.2% YoY+0.9% QoQ
|
$-2K |
$26,927
+3.1% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
47% |
| CD Concentration |
35.2%
-0.2% YoY-0.5% QoQ
|
+10.9% | 24.3% | 15.4% | 19.8% | Top 14.1% in tier |
| Indirect Auto % |
20.2%
-1.1% YoY+3.2% QoQ
|
+6.4% | 13.8% | 8.3% | 7.7% | 72% |
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)