BlastPoint's Credit Union Scorecard

LAKE TRUST

Charter #62047 · MI

Mid-Market 1B-3B
302 CUs in 1B-3B nationally 19 in MI
View Mid-Market leaderboard →

LAKE TRUST has 6 strengths but faces 6 concerns

National Analysis

How does the industry compare?
Mid-Market Tier

What's your peer group doing?
MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 52.5% in tier
  • + Net Interest Margin 0.24% above tier average
  • + Total Deposits: Top 2.0% in tier
  • + Total Assets: Top 3.3% in tier
  • + Total Members: Top 4.0% in tier
  • + Total Loans: Top 4.6% in tier

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 38.6% in tier
  • - Credit Quality Pressure: Bottom 44.3% in tier
  • - Indirect Auto Dependency: Bottom 64.1% in tier
  • - ROA 0.10% below tier average
  • - Efficiency ratio 1.47% above tier (higher cost structure)
  • - Delinquency rate 0.28% above tier average

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Members 179,409
-0.4% YoY+0.8% QoQ
 +82.0K 97,431
-2.4% YoY
 35,710
+6.8% YoY
 33,374
+5.7% YoY
 Top 4.3% in tier
Assets $2.8B
+5.6% YoY+3.0% QoQ
 +$1.1B $1.7B
+0.9% YoY
 $674.6M
+13.3% YoY
 $561.6M
+9.7% YoY
 Top 3.6% in tier
Loans $2.1B
+7.3% YoY+1.1% QoQ
 +$904.8M $1.2B
+0.5% YoY
 $472.4M
+13.5% YoY
 $397.0M
+8.8% YoY
 Top 5.0% in tier
Deposits $2.5B
+7.5% YoY+3.1% QoQ
 +$1.0B $1.5B
+0.9% YoY
 $573.0M
+13.1% YoY
 $477.3M
+9.7% YoY
 Top 2.3% in tier

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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%
+36.3% YoY-2.5% QoQ
 -0.1% 0.7%
+20.9% YoY
 0.9%
-8.5% YoY
 0.7%
+15.9% YoY
 43%
NIM 3.5%
+13.5% YoY+0.4% QoQ
 +0.2% 3.3%
+9.2% YoY
 3.8%
+7.8% YoY
 3.8%
+5.1% YoY
 66%
Efficiency Ratio 75.5%
-5.9% YoY+0.2% QoQ
 +1.5% 74.1%
-9.5% YoY
 75.4%
-1.6% YoY
 79.7%
-3.3% YoY
 56%
Delinquency Rate 1.2%
+15.6% YoY+11.9% QoQ
 +0.3 0.9%
+6.2% YoY
 0.9%
-8.5% YoY
 1.3%
-2.1% YoY
 78%
Loan To Share 87.0%
-0.1% YoY-2.0% QoQ
 +2.2% 84.8%
-0.8% YoY
 67.1%
-0.1% YoY
 67.4%
-1.7% YoY
 50%
AMR $25,634
+7.9% YoY+1.3% QoQ
 $-4K $29,428
+2.4% YoY
 $22,475
+5.7% YoY
 $19,687
+2.0% YoY
 36%
CD Concentration 26.5%
+13.9% YoY+1.5% QoQ
 -2.5% 29.0% 18.6% 19.8% 39%
Indirect Auto % 19.2%
-5.1% YoY-2.1% QoQ
 +0.9% 18.3% 11.8% 7.8% 57%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth
#65 of 123 • Top 52.5% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature
AMR Growth (YoY): 7.90%
(Tier: 3.31%, National: 4.00%)
better than tier avg
123 of 378 Mid-Market CUs have this signature | 662 nationally
↑ Growing +38 CUs YoY | New qualifier

Concerns (3)

Credit Risk Growth

risk
#64 of 164 • Bottom 38.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 7.35%
(Tier: 6.38%, National: 111.96%)
but better than tier avg
Delinquency Change (YoY): 0.16% points
(Tier: 0.06% points, National: 0.06% points)
worse than tier avg
164 of 378 Mid-Market CUs have this signature | 665 nationally
→ No prior data (164 CUs now) | New qualifier

Credit Quality Pressure

risk
#94 of 211 • Bottom 44.3% in tier

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

Why This Signature
Delinquency Change (YoY): 0.16% points
(Tier: 0.06% points, National: 0.06% points)
worse than tier avg
211 of 378 Mid-Market CUs have this signature | 969 nationally
↓ Shrinking -59 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#126 of 196 • Bottom 64.1% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 5.58%
(Tier: 6.83%, National: 3.54%)
worse than tier avg
Indirect Auto %: 19.24%
(Tier: 18.31%, National: 7.78%)
worse than tier avg
Member Growth (YoY): -0.43%
(Tier: 3.43%, National: 4.32%)
worse than tier avg
196 of 378 Mid-Market CUs have this signature | 745 nationally
↓ Shrinking -11 CUs YoY | Rank improving

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 302 peers in tier

Top Strengths (5 metrics)

7
Total Deposits
balance_sheet
Value: $2.46B
Peer Median: -
#7 of 302 Top 2.0% in 1B-3B tier
11
Total Assets
balance_sheet
Value: $2.79B
Peer Median: -
#11 of 302 Top 3.3% in 1B-3B tier
13
Total Members
engagement
Value: 179,409
Peer Median: -
#13 of 302 Top 4.0% in 1B-3B tier
15
Total Loans
balance_sheet
Value: $2.14B
Peer Median: -
#15 of 302 Top 4.6% in 1B-3B tier
51
AMR Growth Rate
growth
Value: 7.90%
Peer Median: -
#51 of 302 Top 16.6% in 1B-3B tier

Top Weaknesses (2 metrics)

236
Fee Income Per Member
profitability
Value: $161.94
Peer Median: -
#236 of 302 Bottom 22.2% in 1B-3B tier
236
Total Delinquency Rate (60+ days)
risk
Value: 1.17%
Peer Median: -
#236 of 302 Bottom 22.2% in 1B-3B tier
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