BlastPoint's Credit Union Scorecard
LENCO
Charter #60991 · MI
LENCO has 2 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 50.0% in tier
- + ROA 0.61% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,660
+1.5% YoY-0.1% QoQ
|
-7.8K |
15,437
-2.9% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
Bottom 14.4% in tier |
| Assets |
$139.6M
+6.2% YoY+3.0% QoQ
|
$-92.3M |
$231.9M
+1.3% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
25% |
| Loans |
$80.1M
+6.6% YoY-0.9% QoQ
|
$-67.3M |
$147.3M
-0.1% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
22% |
| Deposits |
$121.8M
+5.4% YoY+3.1% QoQ
|
$-79.0M |
$200.8M
+0.8% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
27% |
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| ROA |
1.4%
+3.0% YoY+1.2% QoQ
|
+0.6% |
0.8%
+18.2% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
Top 14.0% in tier |
| NIM |
3.1%
+4.3% YoY+1.6% QoQ
|
-0.5% |
3.6%
+6.7% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
24% |
| Efficiency Ratio |
63.0%
-1.9% YoY-1.3% QoQ
|
-14.0% |
77.0%
-3.1% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
Top 11.1% in tier |
| Delinquency Rate |
0.3%
-29.8% YoY+6.0% QoQ
|
-0.6 |
0.9%
+4.2% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
17% |
| Loan To Share |
65.7%
+1.1% YoY-3.9% QoQ
|
-6.5% |
72.2%
-1.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
33% |
| AMR |
$26,357
+4.4% YoY+1.5% QoQ
|
+$2K |
$24,676
+3.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
69% |
| CD Concentration |
28.5%
+7.9% YoY+1.4% QoQ
|
+4.0% | 24.4% | 18.6% | 19.8% | 50% |
| Indirect Auto % |
16.7%
+12.6% YoY-2.7% QoQ
|
+2.9% | 13.8% | 11.8% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)