BlastPoint's Credit Union Scorecard
LORMET COMMUNITY
Charter #24637 · OH
LORMET COMMUNITY has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.81% above tier average
- + First Mortgage Concentration (%): Top 1.2% in tier
- + Efficiency Ratio: Top 7.0% in tier
- + Total Delinquency Rate (60+ days): Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Indirect Auto Concentration (%): Bottom 0.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
19,214
-1.0% YoY-0.9% QoQ
|
+3.8K |
15,437
-2.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
74% |
| Assets |
$276.6M
+8.3% YoY+1.8% QoQ
|
+$44.7M |
$231.9M
+1.3% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
69% |
| Loans |
$139.1M
-0.4% YoY-2.3% QoQ
|
$-8.2M |
$147.3M
-0.1% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
57% |
| Deposits |
$239.2M
+6.8% YoY+1.5% QoQ
|
+$38.4M |
$200.8M
+0.8% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
68% |
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 |
1.6%
+12.6% YoY-1.4% QoQ
|
+0.8% |
0.8%
+18.2% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
Top 9.4% in tier |
| NIM |
3.2%
+4.0% YoY-0.9% QoQ
|
-0.4% |
3.6%
+6.7% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
28% |
| Efficiency Ratio |
59.8%
-6.8% YoY-0.4% QoQ
|
-17.2% |
77.0%
-3.1% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
Top 7.0% in tier |
| Delinquency Rate |
0.2%
+31.1% YoY-23.5% QoQ
|
-0.7 |
0.9%
+4.2% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
Top 9.7% in tier |
| Loan To Share |
58.2%
-6.8% YoY-3.7% QoQ
|
-14.1% |
72.2%
-1.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
20% |
| AMR |
$19,693
+5.1% YoY+1.0% QoQ
|
$-5K |
$24,676
+3.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
32% |
| CD Concentration |
25.9%
+16.5% YoY+0.7% QoQ
|
+1.5% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % |
85.0%
-0.2% YoY-0.3% QoQ
|
+71.2% | 13.8% | 11.2% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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.
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)