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 93.6% in tier
- + Loan-to-Member Ratio (LMR): Top 1.9% in tier
- + Average Member Relationship (AMR): Top 2.2% in tier
- + Net Charge-Off Rate: Top 6.6% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 15.8% in tier
- - Stagnation Risk: Bottom 78.7% in tier
- - Membership Headwinds: Bottom 89.3% in tier
- - Liquidity Strain: Bottom 97.4% in tier
- - ROA 0.65% below tier average
- - Efficiency ratio 16.90% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 0.4% in tier
- - Net Interest Margin (NIM): Bottom 2.7% in tier
- - Share Certificate Concentration (%): Bottom 6.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,932
-0.9% YoY+0.3% QoQ
|
-7.5K |
15,437
-2.9% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
16% |
| Assets |
$238.8M
+0.5% YoY-0.0% QoQ
|
+$6.9M |
$231.9M
+1.3% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
60% |
| Loans |
$190.7M
+1.2% YoY-0.1% QoQ
|
+$43.4M |
$147.3M
-0.1% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
73% |
| Deposits |
$211.1M
+0.3% YoY-0.0% QoQ
|
+$10.3M |
$200.8M
+0.8% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
61% |
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%
-140.1% YoY+5.5% QoQ
|
-0.6% |
0.8%
+18.2% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
Bottom 9.8% in tier |
| NIM |
2.2%
+22.0% YoY+2.8% QoQ
|
-1.4% |
3.6%
+6.7% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 2.6% in tier |
| Efficiency Ratio |
93.9%
-15.4% YoY-1.4% QoQ
|
+16.9% |
77.0%
-3.1% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
Top 4.9% in tier |
| Delinquency Rate |
0.9%
-43.0% YoY-33.7% QoQ
|
-0.0 |
0.9%
+4.2% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
62% |
| Loan To Share |
90.4%
+0.8% YoY-0.1% QoQ
|
+18.1% |
72.2%
-1.1% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
Top 13.3% in tier |
| AMR |
$50,660
+1.7% YoY-0.4% QoQ
|
+$26K |
$24,676
+3.4% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
Top 2.2% in tier |
| CD Concentration |
40.7%
+1.5% YoY+0.9% QoQ
|
+16.3% | 24.4% | 25.0% | 19.8% | 50% |
| Indirect Auto % |
1.8%
+281.6% YoY+1.0% QoQ
|
-12.0% | 13.8% | 2.4% | 7.8% | 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 (4)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)