BlastPoint's Credit Union Scorecard

LORMET COMMUNITY

Charter #24637 · OH

100M-500M

1070 CUs in 100M-500M nationally 59 in OH

LORMET COMMUNITY has 3 strengths but faces 5 concerns

National Analysis

How does the industry compare?

OH Analysis

How does OH stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.99% above tier average
+ First Mortgage Concentration (%): Top 1.8% in tier
+ Efficiency Ratio: Top 6.4% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Indirect Auto Concentration (%): Bottom 0.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	19,025 -1.8% YoY-1.0% QoQ	+3.9K	15,145 -2.5% YoY	16,936 +6.2% YoY	33,913 +5.7% YoY	74%
Assets	$280.9M +7.0% YoY+1.6% QoQ	+$49.2M	$231.7M +0.8% YoY	$257.9M +8.7% YoY	$578.3M +9.0% YoY	70%
Loans	$137.4M -2.0% YoY-1.2% QoQ	$-6.7M	$144.1M +0.2% YoY	$174.2M +8.4% YoY	$402.4M +8.7% YoY	58%
Deposits	$242.7M +5.8% YoY+1.5% QoQ	+$41.6M	$201.1M +0.4% YoY	$221.5M +9.0% YoY	$494.3M +9.1% YoY	69%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.7% +11.2% YoY+9.7% QoQ	+1.0%	0.7% +5.1% YoY	0.6% +16.1% YoY	0.4% -39.2% YoY	Top 7.1% in tier
NIM	3.6% +10.7% YoY+10.9% QoQ	-0.1%	3.6% +4.6% YoY	3.7% +1.7% YoY	3.8% +4.1% YoY	48%
Efficiency Ratio	58.4% -4.3% YoY-2.3% QoQ	-19.6%	78.0% -1.7% YoY	82.0% -2.0% YoY	84.6% +2.8% YoY	Top 6.4% in tier
Delinquency Rate	0.2% -26.3% YoY-23.5% QoQ	-0.6	0.8% +7.1% YoY	1.4% +35.7% YoY	1.2% +3.4% YoY	Top 10.1% in tier
Loan To Share	56.6% -7.3% YoY-2.6% QoQ	-13.8%	70.4% -0.4% YoY	61.3% -2.1% YoY	65.6% -1.4% YoY	21%
AMR	$19,982 +4.7% YoY+1.5% QoQ	$-5K	$24,918 +2.7% YoY	$17,686 +5.3% YoY	$19,920 +1.6% YoY	32%
CD Concentration	25.6% +15.2% YoY-1.0% QoQ	+1.4%	24.3%	19.4%	19.8%	50%
Indirect Auto %	85.2% -0.1% YoY+0.2% QoQ	+71.4%	13.8%	11.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Indirect Auto Dependency

risk

#2 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 7.04%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 85.16%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -1.75%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY

Membership Headwinds

decline

#392 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.75%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#412 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.75%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -1.96%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.15%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Institutional Decline

decline

#185 of 250 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $280.92M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -1.75%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -1.96%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (7 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 0.41%

Peer Median: 29.47%

#20 of 1070 Top 1.8% in 100M-500M tier

Efficiency Ratio

profitability

Value: 58.44%

Peer Median: 78.68%

#70 of 1070 Top 6.4% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.72%

Peer Median: 0.69%

#76 of 1070 Top 7.0% in 100M-500M tier

109

Total Delinquency Rate (60+ days)

risk

Value: 0.15%

Peer Median: 0.61%

#109 of 1070 Top 10.1% in 100M-500M tier

116

Members Per Employee (MPE)

engagement

Value: 452.976

Peer Median: 309.176

#116 of 1070 Top 10.7% in 100M-500M tier

261

Asset Growth Rate

growth

Value: 7.04%

Peer Median: 3.91%

#261 of 1070 Top 24.3% in 100M-500M tier

261

Net Worth Ratio

risk

Value: 13.58%

Peer Median: 11.45%

#261 of 1070 Top 24.3% in 100M-500M tier

Top Weaknesses (3 metrics)

1069

Indirect Auto Concentration (%)

balance_sheet

Value: 85.16%

Peer Median: 6.61%

#1069 of 1070 Bottom 0.2% in 100M-500M tier

848

Loan-to-Share Ratio

balance_sheet

Value: 56.62%

Peer Median: 71.88%

#848 of 1070 Bottom 20.8% in 100M-500M tier

829

Loan Growth Rate

growth

Value: -1.96%

Peer Median: 2.93%

#829 of 1070 Bottom 22.6% in 100M-500M tier