BlastPoint's Credit Union Scorecard
LUTHERAN
Charter #24861 · MO
LUTHERAN has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.03% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 8.3% in tier
- + Deposit Growth Rate: Top 8.6% in tier
- + Asset Growth Rate: Top 8.8% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 4.66% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,514
+4.1% YoY-0.1% QoQ
|
+1.9K |
2,625
-2.2% YoY
|
15,920
+4.0% YoY
|
33,089
+6.1% YoY
|
82% |
| Assets |
$34.4M
+9.8% YoY-1.7% QoQ
|
+$4.6M |
$29.9M
+1.1% YoY
|
$210.9M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
65% |
| Loans |
$18.2M
-0.7% YoY-1.9% QoQ
|
+$2.5M |
$15.8M
-2.4% YoY
|
$147.8M
+9.0% YoY
|
$388.7M
+8.6% YoY
|
67% |
| Deposits |
$31.1M
+10.1% YoY-2.3% QoQ
|
+$5.6M |
$25.5M
+0.4% YoY
|
$183.9M
+12.2% YoY
|
$464.6M
+9.3% YoY
|
67% |
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| ROA |
0.7%
-45.0% YoY+70.4% QoQ
|
+0.0% |
0.7%
-731.4% YoY
|
0.6%
+117.2% YoY
|
0.7%
+273.4% YoY
|
47% |
| NIM |
3.7%
-4.2% YoY+3.9% QoQ
|
-0.3% |
3.9%
+3.8% YoY
|
3.8%
+3.2% YoY
|
3.7%
+5.0% YoY
|
41% |
| Efficiency Ratio |
86.1%
+10.6% YoY-4.5% QoQ
|
+4.7% |
81.4%
-2.4% YoY
|
78.5%
-6.5% YoY
|
79.1%
-3.3% YoY
|
69% |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
1.2%
+9.9% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
58.7%
-9.8% YoY+0.4% QoQ
|
-2.5% |
61.2%
-3.0% YoY
|
72.3%
-3.7% YoY
|
68.0%
-1.7% YoY
|
46% |
| AMR |
$10,930
+1.7% YoY-2.1% QoQ
|
$-4K |
$14,627
-2.7% YoY
|
$16,810
+3.4% YoY
|
$19,418
+1.3% YoY
|
33% |
| CD Concentration |
4.7%
+372.1% YoY+9.3% QoQ
|
-19.8% |
24.4%
+4.2% YoY
|
18.1%
+9.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
10.3%
-9.1% YoY
|
7.9%
-2.9% YoY
|
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)