LAFAYETTE

Charter #619 | MD

1B-3B (304 CUs) Mid-Market (380 CUs)
6 1B-3B in MD

LAFAYETTE has 6 strengths but faces 13 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 27.7% in tier
  • + Relationship Depth Leader: Top 28.8% 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
  • - Liquidity Overhang: Bottom 20.6% 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
 74th in tier
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
 74th in tier
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
 Top 24.3% in tier
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
 39th in tier
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
 43rd in tier
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
 32nd in tier
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%
+0.8% 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%
-2.8% YoY
 7.4%
+4.0% YoY
 7.9%
-2.9% YoY
 Bottom 11.1% in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#201 of 264 • Top 27.7% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 2.65%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#209 of 264 • Top 28.8% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

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
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Concerns (6)

Cost Spiral

risk
#2 of 14 • Bottom 1.8% in tier

Historically lean operator now seeing efficiency ratio rise significantly. Efficiency advantage eroding - early intervention critical.

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): -
(Tier: -, National: -)
Total Assets: $2.15B
(Tier: $1.72B, National: $547.69M)
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 is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.55%
(Tier: 0.71%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -1.50%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $59.0K
(Tier: $29.2K, National: $19.4K)
but better than tier avg
CD Concentration: 55.39%
(Tier: 28.98%, National: 19.60%)
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: $1.72B, National: $547.69M)
but better 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

Liquidity Overhang

risk
#67 of 113 • Bottom 20.6% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.59%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 81.21%
(Tier: 86.35%, National: 67.96%)
worse than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY | Rank worsening

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)

Comparing against 304 peers in tier

Top Strengths (8 metrics)

2
Loan-to-Member Ratio (LMR)
engagement
Value: $26,431
Peer Avg: $13,213
#2 of 304 Top 0.3% in 1B-3B tier
5
Average Member Relationship (AMR)
engagement
Value: $58,978
Peer Avg: $29,172
#5 of 304 Top 1.3% in 1B-3B tier
24
Fee Income Per Member
profitability
Value: $322.19
Peer Avg: $210.52
#24 of 304 Top 7.6% in 1B-3B tier
26
First Mortgage Concentration (%)
balance_sheet
Value: 16.79%
Peer Avg: 34.01%
#26 of 304 Top 8.2% in 1B-3B tier
38
Efficiency Ratio
profitability
Value: 62.48%
Peer Avg: 73.97%
#38 of 304 Top 12.2% in 1B-3B tier
39
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 18.32%
#39 of 304 Top 12.5% in 1B-3B tier
74
Total Deposits
balance_sheet
Value: $1.87B
Peer Avg: $1.45B
#74 of 304 Top 24.0% in 1B-3B tier
76
Net Worth Ratio
risk
Value: 12.59%
Peer Avg: 11.44%
#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: 28.53%
#302 of 304 Bottom 1.0% in 1B-3B tier
301
Net Charge-Off Rate
risk
Value: 1.93%
Peer Avg: 0.60%
#301 of 304 Bottom 1.3% in 1B-3B tier
291
Total Delinquency Rate (60+ days)
risk
Value: 1.93%
Peer Avg: 0.83%
#291 of 304 Bottom 4.6% in 1B-3B tier
285
Members Per Employee (MPE)
engagement
Value: 252.561
Peer Avg: 364.953
#285 of 304 Bottom 6.6% in 1B-3B tier
276
Loan Growth Rate
growth
Value: -4.69%
Peer Avg: 5.27%
#276 of 304 Bottom 9.5% in 1B-3B tier
268
Total Members
engagement
Value: 57,584
Peer Avg: 98,678
#268 of 304 Bottom 12.2% in 1B-3B tier
247
Member Growth Rate
growth
Value: -1.50%
Peer Avg: 2.20%
#247 of 304 Bottom 19.1% in 1B-3B tier