BlastPoint's Credit Union Scorecard
LAFAYETTE
Charter #619 · MD
LAFAYETTE has 2 strengths but faces 8 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Fee Income Per Member: Top 0.1% in tier
- + Average Member Relationship (AMR): Top 2.6% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 1.3% in tier
- - Wealth Migration Risk: Bottom 2.9% in tier
- - Efficiency Drag: Bottom 5.7% in tier
- - Institutional Decline: Bottom 41.5% in tier
- - Stagnation Risk: Bottom 80.3% in tier
- - Accelerating Exit Risk: Bottom 80.3% in tier
- - Membership Headwinds: Bottom 80.3% in tier
- - Shrinking Wallet Share: Bottom 99.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
56,790
-1.3% YoY-0.1% QoQ
|
-39.3K |
96,048
-2.7% YoY
|
35,042
+5.0% YoY
|
33,913
+5.7% YoY
|
Bottom 12.4% in tier |
| Assets |
$2.1B
+5.6% YoY-0.7% QoQ
|
+$415.3M |
$1.7B
+0.4% YoY
|
$654.4M
+9.6% YoY
|
$578.3M
+9.0% YoY
|
73% |
| Loans |
$935.4M
-41.2% YoY-38.4% QoQ
|
$-278.3M |
$1.2B
+0.2% YoY
|
$458.0M
+7.3% YoY
|
$402.4M
+8.7% YoY
|
32% |
| Deposits |
$1.9B
+6.4% YoY-0.9% QoQ
|
+$387.7M |
$1.5B
+0.5% YoY
|
$558.1M
+9.3% YoY
|
$494.3M
+9.1% YoY
|
76% |
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| ROA |
0.1%
+39.5% YoY-77.6% QoQ
|
-0.6% |
0.7%
+27.6% YoY
|
0.5%
+20.2% YoY
|
0.4%
-39.2% YoY
|
Bottom 8.2% in tier |
| NIM |
0.9%
-71.6% YoY-70.6% QoQ
|
-2.4% |
3.4%
+6.2% YoY
|
3.4%
+2.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 0.1% in tier |
| Efficiency Ratio |
88.6%
+59.6% YoY+36.3% QoQ
|
+14.0% |
74.6%
-3.0% YoY
|
82.5%
-2.2% YoY
|
84.6%
+2.8% YoY
|
Bottom 6.2% in tier |
| Delinquency Rate |
3.1%
+93.2% YoY+15.3% QoQ
|
+2.3 |
0.8%
+6.9% YoY
|
1.2%
+17.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 1.6% in tier |
| Loan To Share |
50.5%
-44.8% YoY-37.8% QoQ
|
-32.7% |
83.2%
-0.4% YoY
|
63.5%
+1.0% YoY
|
65.6%
-1.4% YoY
|
Bottom 2.9% in tier |
| AMR |
$49,105
-15.3% YoY-17.6% QoQ
|
+$19K |
$29,652
+2.3% YoY
|
$21,172
+3.9% YoY
|
$19,920
+1.6% YoY
|
Top 2.9% in tier |
| CD Concentration |
55.1%
+11.0% YoY-0.4% QoQ
|
+26.3% | 28.8% | 21.1% | 19.8% | Top 0.8% in tier |
| Indirect Auto % | 0.0% | -18.1% | 18.1% | 7.3% | 7.7% | Top 11.0% in tier |
Signature Analysis
Strengths (0)
Concerns (8)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Wealth Migration Risk
declineHigh-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)