BlastPoint's Credit Union Scorecard

LENCO

Charter #60991 · MI

100M-500M
1070 CUs in 100M-500M nationally 69 in MI

LENCO has 2 strengths but faces 3 concerns

National Analysis

How does the industry compare?
MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.35% above tier average
  • + Net Charge-Off Rate: Top 7.6% in tier

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 50.0% in tier
  • - Indirect Auto Dependency: Bottom 50.0% in tier
  • - Cost Spiral: Bottom 50.0% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Members 7,565
+0.1% YoY-1.2% QoQ
 -7.6K 15,145
-2.5% YoY
 36,022
+6.3% YoY
 33,913
+5.7% YoY
 Bottom 15.0% in tier
Assets $143.6M
+5.7% YoY+2.9% QoQ
 $-88.1M $231.7M
+0.8% YoY
 $705.1M
+14.1% YoY
 $578.3M
+9.0% YoY
 28%
Loans $78.3M
+2.9% YoY-2.2% QoQ
 $-65.9M $144.1M
+0.2% YoY
 $480.6M
+13.6% YoY
 $402.4M
+8.7% YoY
 23%
Deposits $125.3M
+5.1% YoY+2.8% QoQ
 $-75.9M $201.1M
+0.4% YoY
 $601.5M
+14.1% YoY
 $494.3M
+9.1% YoY
 28%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 1.1%
-16.9% YoY-21.4% QoQ
 +0.3% 0.7%
+5.1% YoY
 0.9%
+85.7% YoY
 0.4%
-39.2% YoY
 74%
NIM 2.9%
-2.6% YoY-6.6% QoQ
 -0.7% 3.6%
+4.6% YoY
 3.7%
+3.8% YoY
 3.8%
+4.1% YoY
 Bottom 13.1% in tier
Efficiency Ratio 69.8%
+8.4% YoY+10.8% QoQ
 -8.2% 78.0%
-1.7% YoY
 75.8%
-7.1% YoY
 84.6%
+2.8% YoY
 24%
Delinquency Rate 0.2%
-25.9% YoY-50.6% QoQ
 -0.6 0.8%
+7.1% YoY
 0.7%
-7.8% YoY
 1.2%
+3.4% YoY
 Top 10.2% in tier
Loan To Share 62.5%
-2.1% YoY-4.9% QoQ
 -7.9% 70.4%
-0.4% YoY
 65.1%
-0.0% YoY
 65.6%
-1.4% YoY
 31%
AMR $26,902
+4.2% YoY+2.1% QoQ
 +$2K $24,918
+2.7% YoY
 $22,971
+5.9% YoY
 $19,920
+1.6% YoY
 70%
CD Concentration 28.2%
+7.6% YoY-0.8% QoQ
 +3.9% 24.3% 18.6% 19.8% 50%
Indirect Auto % 16.8%
+6.0% YoY+0.2% QoQ
 +3.0% 13.8% 11.7% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Margin Compression

decline
#91 of 133 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 1.08%
(Tier: 0.72%, National: 0.39%)
but better than tier avg
ROA (Prior Year): 1.29%
(Tier: 0.67%, National: 0.75%)
but better than tier avg
ROA Change (YoY): -0.22% points
(Tier: 0.05% points, National: -0.45% points)
worse than tier avg
133 of 1070 Mid-Small & Community CUs have this signature | 162 nationally
→ No prior data (133 CUs now) | New qualifier

Indirect Auto Dependency

risk
#379 of 504 • Bottom 50.0% in tier

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

Why This Signature
Asset Growth (YoY): 5.70%
(Tier: 4.68%, National: 1663.40%)
but better than tier avg
Indirect Auto %: 16.76%
(Tier: 13.80%, National: 7.73%)
worse than tier avg
Member Growth (YoY): 0.11%
(Tier: 0.72%, National: 10.19%)
worse than tier avg
504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally
↓ Shrinking -29 CUs YoY | Rank improving

Cost Spiral

risk
#79 of 83 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature
Efficiency Ratio Change: 5.40% points
(Tier: -1.19% points, National: 2.52% points)
worse than tier avg
Efficiency Ratio (Prior Year): 46.50%
(Tier: 60.69%, National: 64.04%)
but better than tier avg
83 of 1070 Mid-Small & Community CUs have this signature | 96 nationally
→ Stable (87→83 CUs) -4 CUs YoY | New qualifier

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)

Comparing against 1070 peers in tier

Top Strengths (3 metrics)

82
Net Charge-Off Rate
risk
Value: 0.02%
Peer Median: 0.35%
#82 of 1070 Top 7.6% in 100M-500M tier
110
Total Delinquency Rate (60+ days)
risk
Value: 0.16%
Peer Median: 0.61%
#110 of 1070 Top 10.2% in 100M-500M tier
260
Efficiency Ratio
profitability
Value: 69.82%
Peer Median: 78.68%
#260 of 1070 Top 24.2% in 100M-500M tier

Top Weaknesses (4 metrics)

930
Net Interest Margin (NIM)
profitability
Value: 2.93%
Peer Median: 3.62%
#930 of 1070 Bottom 13.2% in 100M-500M tier
910
Total Members
engagement
Value: 7,565
Peer Median: 13,200
#910 of 1070 Bottom 15.0% in 100M-500M tier
868
First Mortgage Concentration (%)
balance_sheet
Value: 46.21%
Peer Median: 29.47%
#868 of 1070 Bottom 19.0% in 100M-500M tier
822
Total Loans
balance_sheet
Value: $78.25M
Peer Median: $121.41M
#822 of 1070 Bottom 23.3% in 100M-500M tier
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