BlastPoint's Credit Union Scorecard
LEBANON
Charter #19510 · PA
LEBANON has 4 strengths but faces 5 concerns
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How does PA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 27.5% in tier
- + Organic Growth Engine: Top 29.4% in tier
- + ROA 0.07% above tier average
- + Net Interest Margin 0.32% above tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 20.2% in tier
- - Credit Quality Pressure: Bottom 23.7% in tier
- - Indirect Auto Dependency: Bottom 24.5% in tier
- - Delinquency rate 0.02% above tier average
- - Total Assets: Bottom 4.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
35,618
+1.0% YoY+0.7% QoQ
|
-4.1K |
39,752
-2.7% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
41% |
| Assets |
$507.9M
+5.2% YoY-0.8% QoQ
|
$-114.5M |
$622.4M
+0.3% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 3.6% in tier |
| Loans |
$399.0M
+7.6% YoY+2.2% QoQ
|
$-37.0M |
$435.9M
-0.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
32% |
| Deposits |
$468.5M
+4.7% YoY-1.4% QoQ
|
$-69.5M |
$538.0M
+1.3% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 14.8% in tier |
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| ROA |
0.7%
+53.7% YoY+18.9% QoQ
|
+0.1% |
0.7%
+33.9% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
57% |
| NIM |
3.8%
+18.2% YoY+2.9% QoQ
|
+0.3% |
3.4%
+8.6% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
76% |
| Efficiency Ratio |
72.1%
-7.9% YoY-2.3% QoQ
|
-6.0% |
78.1%
-3.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
22% |
| Delinquency Rate |
0.8%
+7.0% YoY+0.4% QoQ
|
+0.0 |
0.8%
-4.9% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
62% |
| Loan To Share |
85.2%
+2.7% YoY+3.6% QoQ
|
+4.1% |
81.0%
-1.8% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
55% |
| AMR |
$24,357
+4.9% YoY-0.5% QoQ
|
$-2K |
$26,482
+2.6% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
47% |
| CD Concentration |
35.5%
-1.8% YoY+0.3% QoQ
|
+11.1% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
Top 14.6% in tier |
| Indirect Auto % |
18.7%
-16.6% YoY-2.0% QoQ
|
+4.7% |
14.0%
-5.7% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
68% |
Signature Analysis
Strengths (2)
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.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)