BlastPoint's Credit Union Scorecard
LUSO
Charter #20600 · MA
LUSO has 4 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + Loan-to-Member Ratio (LMR): Top 1.9% in tier
- + Average Member Relationship (AMR): Top 2.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.41% below tier average
- - Efficiency ratio 5.21% above tier (higher cost structure)
- - Delinquency rate 0.22% above tier average
- - First Mortgage Concentration (%): Bottom 0.8% in tier
- - Net Interest Margin (NIM): Bottom 3.3% in tier
- - Share Certificate Concentration (%): Bottom 8.7% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 32 that size in Massachusetts.
- Shares and deposits +1.3% year over year ($216M in shares and deposits).
- Membership: 7,922 members, +0.9% vs a year ago.
- Delinquency rate 1.10%.
- Return on assets 0.45%.
- Efficiency ratio 81.95% vs a 76.73% peer average.
- Loan-to-share ratio 88.84% vs a 71.54% 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 (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,922
+0.9% YoY-0.1% QoQ
|
-7.2K |
15,168
-2.6% YoY
|
18,780
+3.1% YoY
|
34,678
+6.6% YoY
|
18% |
| Assets |
$244.6M
+1.6% YoY+1.2% QoQ
|
+$12.6M |
$232.0M
+0.7% YoY
|
$364.5M
+6.9% YoY
|
$593.1M
+10.2% YoY
|
62% |
| Loans |
$192.2M
+2.3% YoY+0.5% QoQ
|
+$45.9M |
$146.3M
+0.2% YoY
|
$274.7M
+7.2% YoY
|
$418.6M
+10.1% YoY
|
73% |
| Deposits |
$216.3M
+1.3% YoY+1.1% QoQ
|
+$15.6M |
$200.7M
+0.2% YoY
|
$301.2M
+8.1% YoY
|
$504.8M
+10.3% YoY
|
63% |
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 |
0.5%
+39.1% QoQ
|
-0.4% |
0.9%
+12.5% YoY
|
0.7%
+12.3% YoY
|
1.2%
+121.4% YoY
|
24% |
| NIM |
2.4%
+20.1% YoY+2.2% QoQ
|
-1.3% |
3.7%
+4.5% YoY
|
3.3%
+1.4% YoY
|
3.8%
+2.3% YoY
|
Bottom 3.2% in tier |
| Efficiency Ratio |
81.9%
-17.8% YoY-2.1% QoQ
|
+5.2% |
76.7%
-0.8% YoY
|
80.1%
-1.4% YoY
|
83.0%
-5.3% YoY
|
64% |
| Delinquency Rate |
1.1%
-32.2% YoY+51.7% QoQ
|
+0.2 |
0.9%
+6.6% YoY
|
0.8%
-7.5% YoY
|
1.3%
+2.6% YoY
|
73% |
| Loan To Share |
88.8%
+1.0% YoY-0.5% QoQ
|
+17.3% |
71.5%
-0.3% YoY
|
71.9%
-1.9% YoY
|
66.4%
-1.4% YoY
|
83% |
| AMR |
$51,569
+0.9% YoY+0.9% QoQ
|
+$26K |
$25,107
+3.2% YoY
|
$25,615
+4.4% YoY
|
$20,028
-0.9% YoY
|
Top 2.4% in tier |
| CD Concentration |
39.2%
-2.1% YoY-1.0% QoQ
|
+14.7% | 24.6% | 25.4% | 20.0% | 50% |
| Indirect Auto % |
2.4%
+35.0% YoY-2.6% QoQ
|
-11.2% | 13.6% | 2.4% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)