BlastPoint's Credit Union Scorecard
LUTHERAN
Charter #24861 · MO
LUTHERAN has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.09% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Asset Growth Rate: Top 4.3% in tier
- + Deposit Growth Rate: Top 4.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 2.99% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,514
+1.9% YoY0% QoQ
|
+1.9K |
2,615
-1.9% YoY
|
15,911
+2.9% YoY
|
33,374
+5.7% YoY
|
83% |
| Assets |
$36.9M
+13.6% YoY+7.2% QoQ
|
+$6.7M |
$30.1M
+2.1% YoY
|
$212.3M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
66% |
| Loans |
$18.4M
+0.5% YoY+1.1% QoQ
|
+$2.7M |
$15.8M
-1.3% YoY
|
$149.4M
+8.7% YoY
|
$397.0M
+8.8% YoY
|
67% |
| Deposits |
$33.5M
+14.3% YoY+7.8% QoQ
|
+$7.8M |
$25.7M
+1.4% YoY
|
$185.2M
+10.6% YoY
|
$477.3M
+9.7% YoY
|
68% |
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| ROA |
0.7%
-35.5% YoY-0.6% QoQ
|
+0.1% |
0.6%
+10.8% YoY
|
0.7%
+53.7% YoY
|
0.7%
+15.9% YoY
|
51% |
| NIM |
3.7%
-0.3% YoY+0.1% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.8%
+3.0% YoY
|
3.8%
+5.1% YoY
|
41% |
| Efficiency Ratio |
85.5%
+6.2% YoY-0.6% QoQ
|
+3.0% |
82.6%
-2.3% YoY
|
77.6%
-5.0% YoY
|
79.7%
-3.3% YoY
|
65% |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.3%
+20.7% YoY
|
1.3%
-2.1% YoY
|
Top 0.1% in tier |
| Loan To Share |
55.0%
-12.0% YoY-6.2% QoQ
|
-5.6% |
60.6%
-3.1% YoY
|
71.1%
-4.0% YoY
|
67.4%
-1.7% YoY
|
42% |
| AMR |
$11,508
+7.0% YoY+5.3% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$16,896
+3.0% YoY
|
$19,687
+2.0% YoY
|
36% |
| CD Concentration |
6.5%
+329.0% YoY+39.0% QoQ
|
-18.0% | 24.4% | 18.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.0% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)