BlastPoint's Credit Union Scorecard

LENCO

Charter #60991 · MI

1077 CUs in 100M-500M nationally 67 in MI

LENCO has 6 strengths but faces 1 concern

National Analysis

How does the industry compare?

MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 22.5% in tier
+ Organic Growth Leader: Top 28.6% in tier
+ Profitability Leader: Top 60.5% in tier
+ Credit Quality Leader: Top 70.8% in tier
+ ROA 0.56% above tier average
+ Net Charge-Off Rate: Top 3.6% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 25.1% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	7,665 +0.9% YoY+1.3% QoQ	-8.0K	15,628 -3.4% YoY	35,456 +8.6% YoY	33,089 +6.1% YoY	Bottom 13.9% in tier
Assets	$135.5M +5.6% YoY-1.0% QoQ	$-95.8M	$231.3M -0.0% YoY	$650.8M +12.6% YoY	$547.7M +7.8% YoY	23%
Loans	$80.8M +5.1% YoY+2.8% QoQ	$-67.0M	$147.8M -1.4% YoY	$461.6M +14.9% YoY	$388.7M +8.6% YoY	23%
Deposits	$118.2M +4.5% YoY-1.3% QoQ	$-82.1M	$200.3M -0.0% YoY	$550.3M +12.5% YoY	$464.6M +9.3% YoY	25%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.4% +7.0% YoY+4.5% QoQ	+0.6%	0.8% +15.5% YoY	0.8% -27.1% YoY	0.7% +273.4% YoY	84%
NIM	3.1% +4.6% YoY+1.9% QoQ	-0.5%	3.6% +6.9% YoY	3.7% +8.5% YoY	3.7% +5.0% YoY	23%
Efficiency Ratio	63.9% -2.8% YoY-1.4% QoQ	-13.4%	77.3% -3.0% YoY	76.1% -1.3% YoY	79.1% -3.3% YoY	Bottom 13.6% in tier
Delinquency Rate	0.3% -22.1% YoY+5.1% QoQ	-0.6	0.9% +7.6% YoY	0.9% -19.7% YoY	1.2% -0.9% YoY	19%
Loan To Share	68.4% +0.5% YoY+4.1% QoQ	-4.3%	72.7% -1.5% YoY	68.1% +0.3% YoY	68.0% -1.7% YoY	37%
AMR	$25,961 +3.8% YoY-1.0% QoQ	+$2K	$24,363 +2.9% YoY	$22,054 +2.5% YoY	$19,418 +1.3% YoY	69%
CD Concentration	28.1% +13.7% YoY+4.0% QoQ	+3.6%	24.4% +4.2% YoY	18.6% +6.0% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	17.2% +11.1% YoY+7.1% QoQ	+3.2%	14.0% -5.7% YoY	11.9% -2.7% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (4)

Organic Growth Engine

growth

#412 of 603 • Top 22.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.91%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.35%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 17.19%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Organic Growth Leader

growth

#378 of 430 • Top 28.6% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.91%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 17.19%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | New qualifier

Profitability Leader

growth

#206 of 340 • Top 60.5% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.35%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.09% points

(Tier: 0.11% points, National: 0.05% points)

but worse than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Credit Quality Leader

growth

#241 of 340 • Top 70.8% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.30%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.08% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Concerns (1)

Indirect Auto Dependency

risk

#404 of 525 • Bottom 25.1% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 5.59%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 17.19%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 0.91%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank improving

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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (5 metrics)

Net Charge-Off Rate

risk

Value: 0.02%

Peer Avg: -

#40 of 1077 Top 3.6% in 100M-500M tier

148

Efficiency Ratio

profitability

Value: 63.87%

Peer Avg: -

#148 of 1077 Top 13.6% in 100M-500M tier

173

Return on Assets (ROA)

profitability

Value: 1.35%

Peer Avg: -

#173 of 1077 Top 16.0% in 100M-500M tier

202

Total Delinquency Rate (60+ days)

risk

Value: 0.30%

Peer Avg: -

#202 of 1077 Top 18.7% in 100M-500M tier

205

Members Per Employee (MPE)

engagement

Value: 403.421

Peer Avg: -

#205 of 1077 Top 18.9% in 100M-500M tier

Top Weaknesses (6 metrics)

927

Total Members

engagement

Value: 7,665

Peer Avg: -

#927 of 1077 Bottom 14.0% in 100M-500M tier

872

First Mortgage Concentration (%)

balance_sheet

Value: 46.18%

Peer Avg: -

#872 of 1077 Bottom 19.1% in 100M-500M tier

834

Total Loans

balance_sheet

Value: $80.79M

Peer Avg: -

#834 of 1077 Bottom 22.7% in 100M-500M tier

833

Net Interest Margin (NIM)

profitability

Value: 3.09%

Peer Avg: -

#833 of 1077 Bottom 22.7% in 100M-500M tier

827

Total Assets

balance_sheet

Value: $135.49M

Peer Avg: -

#827 of 1077 Bottom 23.3% in 100M-500M tier

811

Total Deposits

balance_sheet

Value: $118.20M

Peer Avg: -

#811 of 1077 Bottom 24.8% in 100M-500M tier