BlastPoint's Credit Union Scorecard

LAFAYETTE

Charter #619 · MD

Mid-Market 1B-3B

304 CUs in 1B-3B nationally 6 in MD

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LAFAYETTE has 5 strengths but faces 12 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

MD Analysis

How does MD stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 83.3% in tier
+ Loan-to-Member Ratio (LMR): Top 0.3% in tier
+ Average Member Relationship (AMR): Top 1.3% in tier
+ Fee Income Per Member: Top 7.6% in tier
+ First Mortgage Concentration (%): Top 8.2% in tier

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 1.8% in tier
- Credit Quality Pressure: Bottom 5.5% in tier
- Stagnation Risk: Bottom 13.4% in tier
- Institutional Decline: Bottom 19.6% in tier
- Membership Headwinds: Bottom 24.7% in tier
- ROA 0.15% below tier average
- Delinquency rate 1.10% above tier average
- Share Certificate Concentration (%): Bottom 1.0% in tier
- Net Charge-Off Rate: Bottom 1.3% in tier
- Total Delinquency Rate (60+ days): Bottom 4.6% in tier
- Members Per Employee (MPE): Bottom 6.6% in tier
- Loan Growth Rate: Bottom 9.5% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Members	57,584 -1.5% YoY-0.5% QoQ	-41.1K	98,678 -1.9% YoY	34,720 +7.7% YoY	33,089 +6.1% YoY	Bottom 11.8% in tier
Assets	$2.2B +5.0% YoY+7.0% QoQ	+$431.9M	$1.7B +0.5% YoY	$624.1M +9.4% YoY	$547.7M +7.8% YoY	74%
Loans	$1.5B -4.7% YoY-0.1% QoQ	+$288.9M	$1.2B +0.5% YoY	$452.1M +10.3% YoY	$388.7M +8.6% YoY	74%
Deposits	$1.9B +6.4% YoY+7.6% QoQ	+$419.9M	$1.5B +1.3% YoY	$528.8M +10.3% YoY	$464.6M +9.3% YoY	76%

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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	0.6% +193.5% YoY+387.4% QoQ	-0.2%	0.7% +13.4% YoY	0.6% +23.1% YoY	0.7% +273.4% YoY	39%
NIM	3.2% -3.2% YoY-3.3% QoQ	-0.1%	3.3% +9.3% YoY	3.5% +4.2% YoY	3.7% +5.0% YoY	43%
Efficiency Ratio	62.5% +22.9% YoY+1.7% QoQ	-11.5%	74.0% -10.9% YoY	78.6% -6.6% YoY	79.1% -3.3% YoY	Bottom 12.2% in tier
Delinquency Rate	1.9% +19.6% YoY+1.7% QoQ	+1.1	0.8% +6.1% YoY	1.2% +5.3% YoY	1.2% -0.9% YoY	Top 4.6% in tier
Loan To Share	81.2% -10.4% YoY-7.2% QoQ	-4.0%	85.2% -0.8% YoY	65.0% -0.2% YoY	68.0% -1.7% YoY	32%
AMR	$58,978 +2.7% YoY+4.5% QoQ	+$30K	$29,172 +2.8% YoY	$20,685 +4.6% YoY	$19,418 +1.3% YoY	Top 1.6% in tier
CD Concentration	55.4% +8.1% YoY+4.4% QoQ	+26.4%	29.0% +0.7% YoY	20.4% +10.6% YoY	19.6% +6.2% YoY	Top 0.8% in tier
Indirect Auto %	0.0% -96.2% YoY-66.9% QoQ	-18.8%	18.8% -3.0% YoY	7.4% +4.0% YoY	7.9% -2.9% YoY	Bottom 11.1% in tier

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#56 of 67 • Top 83.3% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 2.65%

(Tier: 3.04%, National: 4.19%)

but worse than tier avg

Share Draft per Member: $2.6K

(Tier: $3.1K, National: $2.0K)

but worse than tier avg

67 of 380 Mid-Market CUs have this signature | 341 nationally

↑ Growing +25 CUs YoY | Rank worsening

Concerns (5)

Cost Spiral

risk

#2 of 14 • Bottom 1.8% 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: 11.63% points

(Tier: -7.46% points, National: -1.81% points)

worse than tier avg

Efficiency Ratio (Prior Year): 29.71%

(Tier: 51.53%, National: 63.68%)

but better than tier avg

14 of 380 Mid-Market CUs have this signature | 80 nationally

→ Stable (16→14 CUs) -2 CUs YoY | New qualifier

Credit Quality Pressure

risk

#43 of 217 • Bottom 5.5% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.32% points

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

worse than tier avg

217 of 380 Mid-Market CUs have this signature | 1002 nationally

↓ Shrinking -70 CUs YoY | New qualifier

Stagnation Risk

risk

#33 of 85 • Bottom 13.4% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.50%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -4.69%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

Delinquency Rate: 1.93%

(Tier: 0.83%, National: 1.23%)

worse than tier avg

85 of 380 Mid-Market CUs have this signature | 648 nationally

↑ Growing +6 CUs YoY | New qualifier

Institutional Decline

decline

#21 of 31 • Bottom 19.6% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $2.15B

(Tier: $2.17B, National: $547.69M)

worse than tier avg

Member Growth (YoY): -1.50%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -4.69%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

31 of 380 Mid-Market CUs have this signature | 293 nationally

↓ Shrinking -6 CUs YoY | New qualifier

Membership Headwinds

decline

#60 of 85 • Bottom 24.7% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.50%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

85 of 380 Mid-Market CUs have this signature | 648 nationally

↑ Growing +6 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)

Compare against:

Comparing against 304 peers in tier

Top Strengths (8 metrics)

Loan-to-Member Ratio (LMR)

engagement

Value: $26,431

Peer Avg: -

#2 of 304 Top 0.3% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $58,978

Peer Avg: -

#5 of 304 Top 1.3% in 1B-3B tier

Fee Income Per Member

profitability

Value: $322.19

Peer Avg: -

#24 of 304 Top 7.6% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 16.79%

Peer Avg: -

#26 of 304 Top 8.2% in 1B-3B tier

Efficiency Ratio

profitability

Value: 62.48%

Peer Avg: -

#38 of 304 Top 12.2% in 1B-3B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#39 of 304 Top 12.5% in 1B-3B tier

Total Deposits

balance_sheet

Value: $1.87B

Peer Avg: -

#74 of 304 Top 24.0% in 1B-3B tier

Net Worth Ratio

risk

Value: 12.59%

Peer Avg: -

#76 of 304 Top 24.7% in 1B-3B tier

Top Weaknesses (7 metrics)

302

Share Certificate Concentration (%)

balance_sheet

Value: 55.39%

Peer Avg: -

#302 of 304 Bottom 1.0% in 1B-3B tier

301

Net Charge-Off Rate

risk

Value: 1.93%

Peer Avg: -

#301 of 304 Bottom 1.3% in 1B-3B tier

291

Total Delinquency Rate (60+ days)

risk

Value: 1.93%

Peer Avg: -

#291 of 304 Bottom 4.6% in 1B-3B tier

285

Members Per Employee (MPE)

engagement

Value: 252.561

Peer Avg: -

#285 of 304 Bottom 6.6% in 1B-3B tier

276

Loan Growth Rate

growth

Value: -4.69%

Peer Avg: -

#276 of 304 Bottom 9.5% in 1B-3B tier

268

Total Members

engagement

Value: 57,584

Peer Avg: -

#268 of 304 Bottom 12.2% in 1B-3B tier

247

Member Growth Rate

growth

Value: -1.50%

Peer Avg: -

#247 of 304 Bottom 19.1% in 1B-3B tier