BlastPoint's Credit Union Scorecard
LANIER
Charter #19552 · GA
LANIER has 7 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.23% above tier average
- + Net Interest Margin 0.34% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Loans: Top 2.1% in tier
- + Total Members: Top 2.7% in tier
- + Loan-to-Share Ratio: Top 6.3% in tier
- + Member Growth Rate: Top 8.8% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 0.15% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,746
+3.6% YoY+1.6% QoQ
|
+6.1K |
2,615
-1.9% YoY
|
30,943
+6.6% YoY
|
33,374
+5.7% YoY
|
Top 2.7% in tier |
| Assets |
$70.6M
+4.8% YoY+0.5% QoQ
|
+$40.4M |
$30.1M
+2.1% YoY
|
$501.1M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
Top 12.2% in tier |
| Loans |
$60.0M
+10.7% YoY+4.7% QoQ
|
+$44.2M |
$15.8M
-1.3% YoY
|
$341.6M
+10.9% YoY
|
$397.0M
+8.8% YoY
|
Top 2.1% in tier |
| Deposits |
$62.9M
+4.6% YoY+0.6% QoQ
|
+$37.3M |
$25.7M
+1.4% YoY
|
$429.0M
+7.8% YoY
|
$477.3M
+9.7% YoY
|
Top 10.6% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.9%
+134.9% YoY-6.0% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
0.9%
+34.6% YoY
|
0.7%
+15.9% YoY
|
59% |
| NIM |
4.3%
+5.1% YoY-1.4% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
4.1%
+4.4% YoY
|
3.8%
+5.1% YoY
|
66% |
| Efficiency Ratio |
82.7%
-4.4% YoY-0.6% QoQ
|
+0.2% |
82.6%
-2.3% YoY
|
77.1%
-0.1% YoY
|
79.7%
-3.3% YoY
|
58% |
| Delinquency Rate |
0.6%
-50.0% YoY+79.1% QoQ
|
-0.9 |
1.6%
-3.1% YoY
|
1.2%
-6.4% YoY
|
1.3%
-2.1% YoY
|
46% |
| Loan To Share |
95.2%
+5.8% YoY+4.1% QoQ
|
+34.6% |
60.6%
-3.1% YoY
|
72.9%
+1.7% YoY
|
67.4%
-1.7% YoY
|
Top 6.5% in tier |
| AMR |
$14,052
+3.8% YoY+0.9% QoQ
|
$-731 |
$14,783
-1.4% YoY
|
$17,497
+5.6% YoY
|
$19,687
+2.0% YoY
|
52% |
| CD Concentration |
24.3%
+11.8% YoY-1.0% QoQ
|
-0.2% | 24.4% | 20.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.4% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)