BlastPoint's Credit Union Scorecard
LEVO
Charter #60 · SD
LEVO has 3 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does SD stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 26.4% in tier
- + Organic Growth Engine: Top 26.4% in tier
- + Net Interest Margin 0.52% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 8.1% in tier
- - Credit Risk Growth: Bottom 59.8% in tier
- - Delinquency rate 0.87% above tier average
- - Total Delinquency Rate (60+ days): Bottom 4.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
37,283
+2.4% YoY+0.2% QoQ
|
-796 |
38,079
-4.8% YoY
|
10,664
+2.0% YoY
|
33,913
+5.7% YoY
|
52% |
| Assets |
$526.6M
+4.5% YoY+3.7% QoQ
|
$-93.1M |
$619.7M
-0.2% YoY
|
$187.1M
+4.6% YoY
|
$578.3M
+9.0% YoY
|
Bottom 15.0% in tier |
| Loans |
$328.4M
+1.5% YoY-1.5% QoQ
|
$-90.9M |
$419.3M
-1.4% YoY
|
$124.5M
+2.5% YoY
|
$402.4M
+8.7% YoY
|
16% |
| Deposits |
$466.8M
+3.5% YoY+3.6% QoQ
|
$-72.6M |
$539.5M
-0.1% YoY
|
$165.7M
+4.9% YoY
|
$494.3M
+9.1% YoY
|
18% |
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 |
0.7%
+88.1% YoY-20.3% QoQ
|
+0.0% |
0.7%
+36.0% YoY
|
0.9%
-399.1% YoY
|
0.4%
-39.2% YoY
|
55% |
| NIM |
4.0%
+1.2% YoY-3.8% QoQ
|
+0.5% |
3.5%
+4.5% YoY
|
4.0%
+2.7% YoY
|
3.8%
+4.1% YoY
|
Top 14.4% in tier |
| Efficiency Ratio |
74.8%
-1.7% YoY+3.8% QoQ
|
-3.6% |
78.4%
-3.7% YoY
|
79.0%
-5.2% YoY
|
84.6%
+2.8% YoY
|
29% |
| Delinquency Rate |
1.6%
+50.7% YoY-3.6% QoQ
|
+0.9 |
0.7%
-0.9% YoY
|
0.9%
+21.4% YoY
|
1.2%
+3.4% YoY
|
Bottom 4.2% in tier |
| Loan To Share |
70.3%
-1.9% YoY-5.0% QoQ
|
-7.3% |
77.7%
-1.2% YoY
|
70.0%
-0.5% YoY
|
65.6%
-1.4% YoY
|
25% |
| AMR |
$21,330
+0.3% YoY+1.2% QoQ
|
$-6K |
$26,927
+3.1% YoY
|
$21,889
+2.4% YoY
|
$19,920
+1.6% YoY
|
21% |
| CD Concentration |
22.7%
-1.1% YoY-2.8% QoQ
|
-1.5% | 24.3% | 28.7% | 19.8% | 44% |
| Indirect Auto % |
10.6%
-15.8% YoY-6.8% QoQ
|
-3.2% | 13.8% | 7.9% | 7.7% | 54% |
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 (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)