BlastPoint's Credit Union Scorecard
LANIER
Charter #19552 · GA
LANIER has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.19% above tier average
- + Total Loans: Top 1.5% in tier
- + Total Members: Top 2.3% in tier
- + Total Deposits: Top 8.3% in tier
- + Loan-to-Share Ratio: Top 8.4% in tier
- + Member Growth Rate: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - ROA 2.34% below tier average
- - Net Worth Ratio: Bottom 8.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,822
+3.7% YoY+0.9% QoQ
|
+6.1K |
2,676
+1.6% YoY
|
31,952
+7.2% YoY
|
33,913
+5.7% YoY
|
Top 2.4% in tier |
| Assets |
$74.1M
+6.4% YoY+5.0% QoQ
|
+$43.9M |
$30.2M
+1.3% YoY
|
$522.8M
+8.6% YoY
|
$578.3M
+9.0% YoY
|
Top 10.3% in tier |
| Loans |
$59.9M
+5.4% YoY-0.1% QoQ
|
+$44.6M |
$15.3M
-2.0% YoY
|
$353.5M
+11.3% YoY
|
$402.4M
+8.7% YoY
|
Top 1.6% in tier |
| Deposits |
$66.9M
+7.3% YoY+6.2% QoQ
|
+$41.1M |
$25.8M
+0.7% YoY
|
$449.3M
+7.5% YoY
|
$494.3M
+9.1% YoY
|
Top 8.3% in tier |
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| ROA |
-2.2%
-871.3% YoY-356.4% QoQ
|
-2.3% |
0.1%
-77.6% YoY
|
-0.2%
-137.4% YoY
|
0.4%
-39.2% YoY
|
Bottom 4.3% in tier |
| NIM |
4.2%
-3.8% YoY-2.1% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.6%
-10.9% YoY
|
3.8%
+4.1% YoY
|
67% |
| Efficiency Ratio |
83.1%
-6.8% YoY+0.5% QoQ
|
-7.5% |
90.6%
+6.5% YoY
|
81.8%
+0.6% YoY
|
84.6%
+2.8% YoY
|
54% |
| Delinquency Rate |
0.5%
+57.0% YoY-22.3% QoQ
|
-1.0 |
1.5%
+3.8% YoY
|
1.7%
+76.5% YoY
|
1.2%
+3.4% YoY
|
43% |
| Loan To Share |
89.6%
-1.7% YoY-5.9% QoQ
|
+31.1% |
58.5%
-3.0% YoY
|
70.0%
+1.3% YoY
|
65.6%
-1.4% YoY
|
Top 8.5% in tier |
| AMR |
$14,372
+2.7% YoY+2.3% QoQ
|
$-513 |
$14,884
-1.7% YoY
|
$17,441
+2.7% YoY
|
$19,920
+1.6% YoY
|
52% |
| CD Concentration |
22.2%
+4.8% YoY-8.3% QoQ
|
-2.0% | 24.3% | 20.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.3% | 7.7% | 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)