BlastPoint's Credit Union Scorecard
LUFTHANSA EMP.
Charter #20341 · NY
LUFTHANSA EMP. has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Average Member Relationship (AMR): Top 0.3% in tier
- + Total Assets: Top 0.5% in tier
- + Total Deposits: Top 2.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.31% below tier average
- - Member decline: -4.2% YoY
- - Net Interest Margin (NIM): Bottom 0.5% in tier
- - Loan-to-Share Ratio: Bottom 1.3% in tier
- - First Mortgage Concentration (%): Bottom 3.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,463
-4.2% YoY-1.5% QoQ
|
-1.2K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
40% |
| Assets |
$98.7M
-3.5% YoY-1.0% QoQ
|
+$68.6M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Top 0.5% in tier |
| Loans |
$5.2M
-6.8% YoY-3.6% QoQ
|
$-10.6M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
35% |
| Deposits |
$82.1M
-4.7% YoY-1.3% QoQ
|
+$56.4M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
Top 2.2% in tier |
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| ROA |
0.3%
+207.5% YoY-5.9% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
31% |
| NIM |
0.7%
+57.8% YoY+0.3% QoQ
|
-3.2% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 0.5% in tier |
| Efficiency Ratio |
59.2%
-27.1% YoY+4.5% QoQ
|
-23.3% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
Top 10.7% in tier |
| Delinquency Rate |
0.3%
-29.2% YoY-0.1% QoQ
|
-1.2 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
32% |
| Loan To Share |
6.3%
-2.2% YoY-2.3% QoQ
|
-54.3% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 1.1% in tier |
| AMR |
$59,647
-0.7% YoY+0.1% QoQ
|
+$45K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Top 0.3% in tier |
| CD Concentration |
21.3%
-6.3% YoY-1.6% QoQ
|
-3.1% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 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)