BlastPoint's Credit Union Scorecard
LUFTHANSA EMP.
Charter #20341 · NY
LUFTHANSA EMP. has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Average Member Relationship (AMR): Top 0.2% in tier
- + Total Assets: Top 1.5% in tier
- + Total Deposits: Top 3.4% in tier
- + Efficiency Ratio: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - ROA 1.09% below tier average
- - Member decline: -4.5% YoY
- - Net Interest Margin (NIM): Bottom 0.6% in tier
- - Loan-to-Share Ratio: Bottom 1.3% in tier
- - First Mortgage Concentration (%): Bottom 3.2% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 176 that size in New York.
- Shares and deposits -7.1% year over year ($78.7M in shares and deposits).
- Membership: 1,432 members, -4.5% vs a year ago.
- Delinquency rate 0.36%.
- Return on assets 0.41%.
- Efficiency ratio 56.45% vs a 88.77% peer average.
- Loan-to-share ratio 6.09% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,432
-4.5% YoY-0.8% QoQ
|
-1.2K |
2,585
-1.7% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
39% |
| Assets |
$95.2M
-5.7% YoY-1.6% QoQ
|
+$65.0M |
$30.3M
+1.5% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
Top 1.6% in tier |
| Loans |
$4.8M
-13.0% YoY-8.0% QoQ
|
$-10.7M |
$15.5M
-1.7% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
33% |
| Deposits |
$78.7M
-7.1% YoY-2.0% QoQ
|
+$52.8M |
$25.8M
+1.1% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
Top 3.5% in tier |
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| ROA |
0.4%
+69.9% YoY-11.7% QoQ
|
-1.1% |
1.5%
+241.5% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
26% |
| NIM |
0.8%
+21.7% YoY-1.1% QoQ
|
-3.1% |
3.9%
+0.9% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
Bottom 0.6% in tier |
| Efficiency Ratio |
56.4%
-12.8% YoY+7.8% QoQ
|
-32.3% |
88.8%
-6.9% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
Top 8.6% in tier |
| Delinquency Rate |
0.4%
+31.7% YoY+14.6% QoQ
|
-1.2 |
1.5%
+2.1% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
35% |
| Loan To Share |
6.1%
-6.4% YoY-6.1% QoQ
|
-52.8% |
58.9%
-3.1% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 1.2% in tier |
| AMR |
$58,269
-3.1% YoY-1.6% QoQ
|
+$43K |
$14,963
-6.8% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
Top 0.3% in tier |
| CD Concentration |
19.1%
-18.2% YoY-4.1% QoQ
|
-5.5% | 24.6% | 16.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.7% | 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)