BlastPoint's Credit Union Scorecard
LAFAYETTE
Charter #619 · MD
LAFAYETTE has 2 strengths but faces 8 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
- + Fee Income Per Member: Top 0.1% in tier
- + Average Member Relationship (AMR): Top 2.0% in tier
Key Concerns
Areas that may need attention
- - Wealth Migration Risk: Bottom 2.4% in tier
- - Credit Quality Pressure: Bottom 7.3% in tier
- - Efficiency Drag: Bottom 11.2% in tier
- - Institutional Decline: Bottom 44.3% in tier
- - Stagnation Risk: Bottom 85.5% in tier
- - Accelerating Exit Risk: Bottom 85.5% in tier
- - Membership Headwinds: Bottom 85.5% in tier
- - Shrinking Wallet Share: Bottom 99.5% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 7 that size in Maryland.
- Shares and deposits +3.4% year over year ($1.80B in shares and deposits).
- Membership: 56,729 members, -1.9% vs a year ago.
- Delinquency rate 2.33%.
- Return on assets 0.10%.
- Efficiency ratio 83.68% vs a 73.02% peer average.
- Loan-to-share ratio 54.20% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
56,729
-1.9% YoY-0.1% QoQ
|
-40.1K |
96,861
-1.9% YoY
|
36,510
+7.3% YoY
|
34,678
+6.6% YoY
|
Bottom 12.0% in tier |
| Assets |
$2.1B
+3.4% YoY-2.6% QoQ
|
+$354.4M |
$1.7B
+0.4% YoY
|
$678.8M
+11.6% YoY
|
$593.1M
+10.2% YoY
|
70% |
| Loans |
$976.0M
-35.9% YoY+4.3% QoQ
|
$-258.3M |
$1.2B
+0.7% YoY
|
$482.2M
+10.0% YoY
|
$418.6M
+10.1% YoY
|
35% |
| Deposits |
$1.8B
+3.4% YoY-2.8% QoQ
|
+$337.3M |
$1.5B
+0.5% YoY
|
$576.6M
+11.4% YoY
|
$504.8M
+10.3% YoY
|
73% |
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| ROA |
0.1%
-7.5% YoY-18.2% QoQ
|
-0.7% |
0.8%
+27.6% YoY
|
0.7%
+24.7% YoY
|
1.2%
+121.4% YoY
|
Bottom 3.3% in tier |
| NIM |
1.3%
-61.5% YoY+39.0% QoQ
|
-2.2% |
3.4%
+6.6% YoY
|
3.4%
-0.6% YoY
|
3.8%
+2.3% YoY
|
Bottom 1.0% in tier |
| Efficiency Ratio |
83.7%
+36.2% YoY-5.6% QoQ
|
+10.7% |
73.0%
-2.7% YoY
|
84.7%
+4.5% YoY
|
83.0%
-5.3% YoY
|
Bottom 12.0% in tier |
| Delinquency Rate |
2.3%
+22.9% YoY-24.0% QoQ
|
+1.5 |
0.9%
+7.3% YoY
|
1.2%
+2.8% YoY
|
1.3%
+2.6% YoY
|
Bottom 2.7% in tier |
| Loan To Share |
54.2%
-38.0% YoY+7.4% QoQ
|
-30.5% |
84.7%
+0.1% YoY
|
63.7%
-0.8% YoY
|
66.4%
-1.4% YoY
|
Bottom 3.7% in tier |
| AMR |
$48,946
-13.3% YoY-0.3% QoQ
|
+$19K |
$29,575
+1.5% YoY
|
$21,403
+4.3% YoY
|
$20,028
-0.9% YoY
|
Top 2.3% in tier |
| CD Concentration |
55.4%
+4.4% YoY+0.5% QoQ
|
+26.3% | 29.1% | 21.7% | 20.0% | Top 0.8% in tier |
| Indirect Auto % | 0.0% | -18.1% | 18.1% | 7.3% | 7.7% | Top 10.9% 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.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Wealth Migration Risk
declineHigh-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
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)