BlastPoint's Credit Union Scorecard
LUSO
Charter #20600 · MA
LUSO has 4 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 97.3% in tier
- + Loan-to-Member Ratio (LMR): Top 1.6% in tier
- + Average Member Relationship (AMR): Top 2.0% in tier
- + Net Charge-Off Rate: Top 7.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 3.1% in tier
- - Liquidity Strain: Bottom 32.4% in tier
- - ROA 0.68% below tier average
- - Efficiency ratio 17.95% above tier (higher cost structure)
- - Delinquency rate 0.47% above tier average
- - First Mortgage Concentration (%): Bottom 0.4% in tier
- - Net Interest Margin (NIM): Bottom 2.5% in tier
- - Share Certificate Concentration (%): Bottom 7.2% in tier
- - Asset Growth Rate: Bottom 8.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,906
-0.4% YoY+0.7% QoQ
|
-7.7K |
15,628
-3.4% YoY
|
27,447
+2.6% YoY
|
33,089
+6.1% YoY
|
15% |
| Assets |
$238.8M
-2.4% YoY-0.8% QoQ
|
+$7.5M |
$231.3M
-0.0% YoY
|
$440.2M
+4.2% YoY
|
$547.7M
+7.8% YoY
|
61% |
| Loans |
$191.0M
+2.2% YoY+1.7% QoQ
|
+$43.2M |
$147.8M
-1.4% YoY
|
$341.2M
+2.4% YoY
|
$388.7M
+8.6% YoY
|
73% |
| Deposits |
$211.2M
-0.4% YoY-1.1% QoQ
|
+$10.9M |
$200.3M
-0.0% YoY
|
$366.8M
+5.5% YoY
|
$464.6M
+9.3% YoY
|
62% |
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 |
0.1%
-142.3% YoY+440.6% QoQ
|
-0.7% |
0.8%
+15.5% YoY
|
0.7%
+17.3% YoY
|
0.7%
+273.4% YoY
|
Bottom 10.0% in tier |
| NIM |
2.1%
+20.7% YoY+4.5% QoQ
|
-1.5% |
3.6%
+6.9% YoY
|
3.3%
+3.8% YoY
|
3.7%
+5.0% YoY
|
Bottom 2.4% in tier |
| Efficiency Ratio |
95.2%
-13.4% YoY-4.5% QoQ
|
+17.9% |
77.3%
-3.0% YoY
|
80.4%
-4.7% YoY
|
79.1%
-3.3% YoY
|
Top 4.7% in tier |
| Delinquency Rate |
1.3%
-8.0% YoY-18.2% QoQ
|
+0.5 |
0.9%
+7.6% YoY
|
0.9%
-6.0% YoY
|
1.2%
-0.9% YoY
|
81% |
| Loan To Share |
90.4%
+2.6% YoY+2.8% QoQ
|
+17.7% |
72.7%
-1.5% YoY
|
74.2%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Top 14.8% in tier |
| AMR |
$50,861
+1.2% YoY-0.5% QoQ
|
+$26K |
$24,363
+2.9% YoY
|
$24,707
+3.7% YoY
|
$19,418
+1.3% YoY
|
Top 2.1% in tier |
| CD Concentration |
40.4%
-1.6% YoY+0.7% QoQ
|
+16.0% |
24.4%
+4.2% YoY
|
24.8%
+8.8% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
1.8%
+846.6% YoY-0.8% QoQ
|
-12.2% |
14.0%
-5.7% YoY
|
2.6%
-15.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (2)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)