BlastPoint's Credit Union Scorecard
LEBANON
Charter #19510 · PA
LEBANON has 5 strengths but faces 5 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
- + Wallet Share Momentum: Top 73.8% in tier
- + Organic Growth Leader: Top 77.2% in tier
- + Organic Growth Engine: Top 79.3% in tier
- + ROA 0.21% above tier average
- + Net Interest Margin 0.57% above tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 37.1% in tier
- - Indirect Auto Dependency: Bottom 62.2% in tier
- - Credit Quality Pressure: Bottom 65.5% in tier
- - Delinquency rate 0.02% above tier average
- - Fee Income Per Member: Bottom 6.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
35,957
+1.3% YoY+1.0% QoQ
|
-2.6K |
38,575
-4.8% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
44% |
| Assets |
$524.7M
+7.5% YoY+3.3% QoQ
|
$-97.0M |
$621.7M
+0.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Bottom 12.1% in tier |
| Loans |
$412.4M
+9.9% YoY+3.4% QoQ
|
$-17.4M |
$429.8M
-1.8% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
41% |
| Deposits |
$481.7M
+6.0% YoY+2.8% QoQ
|
$-57.0M |
$538.7M
+0.6% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
21% |
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| ROA |
0.9%
+89.0% YoY+19.6% QoQ
|
+0.2% |
0.7%
+42.9% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
66% |
| NIM |
4.0%
+22.7% YoY+7.0% QoQ
|
+0.6% |
3.4%
+8.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
Top 13.3% in tier |
| Efficiency Ratio |
69.6%
-9.7% YoY-3.5% QoQ
|
-7.9% |
77.5%
-4.1% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
18% |
| Delinquency Rate |
0.9%
+16.9% YoY+5.3% QoQ
|
+0.0 |
0.8%
-1.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
65% |
| Loan To Share |
85.6%
+3.6% YoY+0.5% QoQ
|
+5.8% |
79.8%
-2.3% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
58% |
| AMR |
$24,867
+6.4% YoY+2.1% QoQ
|
$-2K |
$26,849
+2.7% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
47% |
| CD Concentration |
35.3%
-0.7% YoY-0.5% QoQ
|
+10.9% | 24.4% | 15.5% | 19.8% | Top 14.3% in tier |
| Indirect Auto % |
19.6%
-7.5% YoY+4.9% QoQ
|
+5.8% | 13.8% | 8.1% | 7.8% | 71% |
Signature Analysis
Strengths (3)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)