BlastPoint's Credit Union Scorecard
LAFAYETTE
Charter #619 · MD
LAFAYETTE has 5 strengths but faces 12 concerns
How does the industry compare?
What's your peer group doing?
How does MD stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 68.8% in tier
- + Loan-to-Member Ratio (LMR): Top 0.7% in tier
- + Average Member Relationship (AMR): Top 1.3% in tier
- + Fee Income Per Member: Top 4.0% in tier
- + First Mortgage Concentration (%): Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 2.9% in tier
- - Cost Spiral: Bottom 12.5% in tier
- - Stagnation Risk: Bottom 33.3% in tier
- - Institutional Decline: Bottom 82.8% in tier
- - Membership Headwinds: Bottom 88.1% in tier
- - ROA 0.12% below tier average
- - Delinquency rate 1.76% above tier average
- - Net Charge-Off Rate: Bottom 1.0% in tier
- - Share Certificate Concentration (%): Bottom 1.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 2.3% in tier
- - Members Per Employee (MPE): Bottom 4.3% in tier
- - Loan Growth Rate: Bottom 7.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
56,832
-1.1% YoY-1.3% QoQ
|
-40.6K |
97,431
-2.4% YoY
|
34,239
+5.1% YoY
|
33,374
+5.7% YoY
|
Bottom 11.6% in tier |
| Assets |
$2.2B
+7.6% YoY-0.0% QoQ
|
+$427.5M |
$1.7B
+0.9% YoY
|
$633.8M
+10.2% YoY
|
$561.6M
+9.7% YoY
|
74% |
| Loans |
$1.5B
-4.8% YoY-0.2% QoQ
|
+$283.8M |
$1.2B
+0.5% YoY
|
$458.0M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
74% |
| Deposits |
$1.9B
+9.7% YoY-0.2% QoQ
|
+$411.1M |
$1.5B
+0.9% YoY
|
$535.8M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
76% |
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| ROA |
0.6%
+194.0% YoY+3.5% QoQ
|
-0.1% |
0.7%
+20.9% YoY
|
0.6%
+24.3% YoY
|
0.7%
+15.9% YoY
|
41% |
| NIM |
3.1%
-6.8% YoY-2.4% QoQ
|
-0.2% |
3.3%
+9.2% YoY
|
3.5%
+4.9% YoY
|
3.8%
+5.1% YoY
|
35% |
| Efficiency Ratio |
65.0%
+20.3% YoY+4.1% QoQ
|
-9.0% |
74.1%
-9.5% YoY
|
79.3%
-5.8% YoY
|
79.7%
-3.3% YoY
|
15% |
| Delinquency Rate |
2.7%
+65.5% YoY+37.9% QoQ
|
+1.8 |
0.9%
+6.2% YoY
|
1.3%
-2.3% YoY
|
1.3%
-2.1% YoY
|
Top 2.3% in tier |
| Loan To Share |
81.2%
-13.2% YoY-0.0% QoQ
|
-3.6% |
84.8%
-0.8% YoY
|
65.5%
+0.8% YoY
|
67.4%
-1.7% YoY
|
33% |
| AMR |
$59,627
+3.8% YoY+1.1% QoQ
|
+$30K |
$29,428
+2.4% YoY
|
$21,154
+5.1% YoY
|
$19,687
+2.0% YoY
|
Top 1.7% in tier |
| CD Concentration |
55.4%
+6.7% YoY-0.1% QoQ
|
+26.3% | 29.0% | 20.4% | 19.8% | Top 0.8% in tier |
| Indirect Auto % |
0.0%
-98.0% YoY-57.3% QoQ
|
-18.3% | 18.3% | 7.3% | 7.8% | Bottom 11.4% in tier |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (5)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)