BlastPoint's Credit Union Scorecard
LANCASTER RED ROSE
Charter #60113 · PA
LANCASTER RED ROSE has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.52% above tier average
- + Net Interest Margin 0.09% above tier average
- + Loan Growth Rate: Top 1.9% in tier
- + AMR Growth Rate: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.0% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,789
-3.0% YoY-1.5% QoQ
|
+2.1K |
2,676
+1.6% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
Top 14.7% in tier |
| Assets |
$54.2M
+2.7% YoY+1.0% QoQ
|
+$24.0M |
$30.2M
+1.3% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
79% |
| Loans |
$23.0M
+28.2% YoY+0.9% QoQ
|
+$7.7M |
$15.3M
-2.0% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
75% |
| Deposits |
$46.2M
+0.1% YoY+1.2% QoQ
|
+$20.4M |
$25.8M
+0.7% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
79% |
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| ROA |
1.7%
+48.5% YoY-27.5% QoQ
|
+1.5% |
0.1%
-77.6% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
Top 11.9% in tier |
| NIM |
4.1%
-0.9% YoY-3.2% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
62% |
| Efficiency Ratio |
67.3%
-12.7% YoY+12.4% QoQ
|
-23.3% |
90.6%
+6.5% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
22% |
| Delinquency Rate |
0.4%
-27.2% YoY-60.0% QoQ
|
-1.1 |
1.5%
+3.8% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
38% |
| Loan To Share |
49.8%
+28.0% YoY-0.3% QoQ
|
-8.7% |
58.5%
-3.0% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
36% |
| AMR |
$14,446
+11.3% YoY+2.6% QoQ
|
$-438 |
$14,884
-1.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
53% |
| CD Concentration |
8.2%
-23.7% YoY-10.3% QoQ
|
-16.0% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.3% | 7.7% | 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)