BlastPoint's Credit Union Scorecard
LANIER
Charter #19552 · GA
LANIER has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.23% above tier average
- + Net Interest Margin 0.42% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 2.7% in tier
- + Total Loans: Top 2.7% in tier
- + Loan-to-Share Ratio: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 1.80% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,608
+0.4% YoY0% QoQ
|
+6.0K |
2,625
-2.2% YoY
|
30,529
+3.7% YoY
|
33,089
+6.1% YoY
|
Top 2.7% in tier |
| Assets |
$70.3M
+1.5% YoY+1.6% QoQ
|
+$40.4M |
$29.9M
+1.1% YoY
|
$489.5M
+5.8% YoY
|
$547.7M
+7.8% YoY
|
Top 12.1% in tier |
| Loans |
$57.3M
+9.0% YoY-0.1% QoQ
|
+$41.5M |
$15.8M
-2.4% YoY
|
$335.0M
+9.2% YoY
|
$388.7M
+8.6% YoY
|
Top 2.7% in tier |
| Deposits |
$62.6M
+0.7% YoY+1.4% QoQ
|
+$37.1M |
$25.5M
+0.4% YoY
|
$419.7M
+4.9% YoY
|
$464.6M
+9.3% YoY
|
Top 10.7% in tier |
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| ROA |
0.9%
+165.6% YoY-0.4% QoQ
|
+0.2% |
0.7%
-731.4% YoY
|
1.1%
+41.8% YoY
|
0.7%
+273.4% YoY
|
57% |
| NIM |
4.4%
+9.4% YoY-0.4% QoQ
|
+0.4% |
3.9%
+3.8% YoY
|
4.2%
+4.4% YoY
|
3.7%
+5.0% YoY
|
68% |
| Efficiency Ratio |
83.2%
-6.7% YoY+0.1% QoQ
|
+1.8% |
81.4%
-2.4% YoY
|
76.7%
+1.1% YoY
|
79.1%
-3.3% YoY
|
62% |
| Delinquency Rate |
0.3%
-13.6% YoY+22.9% QoQ
|
-1.2 |
1.5%
-2.0% YoY
|
1.3%
+2.5% YoY
|
1.2%
-0.9% YoY
|
34% |
| Loan To Share |
91.5%
+8.3% YoY-1.4% QoQ
|
+30.3% |
61.2%
-3.0% YoY
|
72.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
Top 9.7% in tier |
| AMR |
$13,925
+4.1% YoY+0.7% QoQ
|
$-702 |
$14,627
-2.7% YoY
|
$17,296
+4.1% YoY
|
$19,418
+1.3% YoY
|
51% |
| CD Concentration |
24.5%
+14.8% YoY+6.3% QoQ
|
+0.1% |
24.4%
+4.2% YoY
|
19.9%
+4.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
4.6%
+4.3% YoY
|
7.9%
-2.9% YoY
|
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)