BlastPoint's Credit Union Scorecard
LM
Charter #6039 · MD
LM demonstrates 5 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.97% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 5.3% in tier
- + Average Member Relationship (AMR): Top 7.0% in tier
- + Total Loans: Top 9.4% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,602
+1.0% YoY-0.2% QoQ
|
+986 |
2,615
-1.9% YoY
|
34,239
+5.1% YoY
|
33,374
+5.7% YoY
|
75% |
| Assets |
$59.5M
+2.4% YoY-0.7% QoQ
|
+$29.3M |
$30.1M
+2.1% YoY
|
$633.8M
+10.2% YoY
|
$561.6M
+9.7% YoY
|
82% |
| Loans |
$41.5M
+8.5% YoY+1.7% QoQ
|
+$25.7M |
$15.8M
-1.3% YoY
|
$458.0M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
Top 9.4% in tier |
| Deposits |
$52.2M
+0.8% YoY-1.2% QoQ
|
+$26.5M |
$25.7M
+1.4% YoY
|
$535.8M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
83% |
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%
-5.6% YoY+1.0% QoQ
|
+1.0% |
0.6%
+10.8% YoY
|
0.6%
+24.3% YoY
|
0.7%
+15.9% YoY
|
Top 13.9% in tier |
| NIM |
4.0%
-2.1% YoY+1.3% QoQ
|
-0.0% |
4.0%
+4.0% YoY
|
3.5%
+4.9% YoY
|
3.8%
+5.1% YoY
|
52% |
| Efficiency Ratio |
62.4%
+3.8% YoY+0.1% QoQ
|
-20.2% |
82.6%
-2.3% YoY
|
79.3%
-5.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 14.2% in tier |
| Delinquency Rate |
0.1%
-35.6% YoY-44.2% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.3%
-2.3% YoY
|
1.3%
-2.1% YoY
|
21% |
| Loan To Share |
79.5%
+7.6% YoY+2.9% QoQ
|
+18.9% |
60.6%
-3.1% YoY
|
65.5%
+0.8% YoY
|
67.4%
-1.7% YoY
|
78% |
| AMR |
$25,992
+3.0% YoY+0.2% QoQ
|
+$11K |
$14,783
-1.4% YoY
|
$21,154
+5.1% YoY
|
$19,687
+2.0% YoY
|
Top 7.1% in tier |
| CD Concentration |
18.3%
+11.0% YoY+5.1% QoQ
|
-6.1% | 24.4% | 20.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.3% | 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)