BlastPoint's Credit Union Scorecard

LAKE TRUST

Charter #62047 · MI

Mid-Market 1B-3B
306 CUs in 1B-3B nationally 21 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 17.4% in tier
  • + Net Interest Margin 0.21% above tier average
  • + Total Deposits: Top 0.7% in tier
  • + Total Assets: Top 1.6% in tier
  • + Total Members: Top 3.3% in tier
  • + Total Loans: Top 4.2% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 33.9% in tier
  • - Credit Risk Growth: Bottom 41.3% in tier
  • - Credit Quality Pressure: Bottom 49.7% in tier
  • - ROA 0.18% below tier average
  • - Efficiency ratio 2.24% above tier (higher cost structure)
  • - Delinquency rate 0.26% above tier average

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Members 180,917
-0.4% YoY+0.8% QoQ
 +84.9K 96,048
-2.7% YoY
 36,022
+6.3% YoY
 33,913
+5.7% YoY
 Top 3.6% in tier
Assets $2.9B
+7.1% YoY+3.1% QoQ
 +$1.2B $1.7B
+0.4% YoY
 $705.1M
+14.1% YoY
 $578.3M
+9.0% YoY
 Top 2.0% in tier
Loans $2.1B
+7.0% YoY-0.1% QoQ
 +$924.2M $1.2B
+0.2% YoY
 $480.6M
+13.6% YoY
 $402.4M
+8.7% YoY
 Top 4.6% in tier
Deposits $2.5B
+7.0% YoY+3.4% QoQ
 +$1.1B $1.5B
+0.5% YoY
 $601.5M
+14.1% YoY
 $494.3M
+9.1% YoY
 Top 1.0% 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 0.5%
+8.5% YoY-7.7% QoQ
 -0.2% 0.7%
+27.6% YoY
 0.9%
+85.7% YoY
 0.4%
-39.2% YoY
 37%
NIM 3.6%
+5.7% YoY+1.4% QoQ
 +0.2% 3.4%
+6.2% YoY
 3.7%
+3.8% YoY
 3.8%
+4.1% YoY
 64%
Efficiency Ratio 76.9%
-3.4% YoY+1.8% QoQ
 +2.2% 74.6%
-3.0% YoY
 75.8%
-7.1% YoY
 84.6%
+2.8% YoY
 59%
Delinquency Rate 1.0%
+3.7% YoY-12.9% QoQ
 +0.3 0.8%
+6.9% YoY
 0.7%
-7.8% YoY
 1.2%
+3.4% YoY
 79%
Loan To Share 84.0%
-0.0% YoY-3.4% QoQ
 +0.8% 83.2%
-0.4% YoY
 65.1%
-0.0% YoY
 65.6%
-1.4% YoY
 46%
AMR $25,881
+7.4% YoY+1.0% QoQ
 $-4K $29,652
+2.3% YoY
 $22,971
+5.9% YoY
 $19,920
+1.6% YoY
 35%
CD Concentration 25.5%
+7.3% YoY-3.7% QoQ
 -3.3% 28.8% 18.6% 19.8% 37%
Indirect Auto % 18.7%
-6.5% YoY-2.9% QoQ
 +0.6% 18.1% 11.7% 7.7% 58%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth
#66 of 125 • Top 17.4% in tier

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

Why This Signature
AMR Growth (YoY): 7.36%
(Tier: 3.34%, National: 6.36%)
better than tier avg
125 of 384 Mid-Market CUs have this signature | 637 nationally
↑ Growing +31 CUs YoY | New qualifier

Concerns (3)

Indirect Auto Dependency

risk
#100 of 198 • Bottom 33.9% in tier

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

Why This Signature
Asset Growth (YoY): 7.07%
(Tier: 6.82%, National: 1663.40%)
but better than tier avg
Indirect Auto %: 18.68%
(Tier: 18.07%, National: 7.73%)
worse than tier avg
Member Growth (YoY): -0.35%
(Tier: 3.50%, National: 10.19%)
worse than tier avg
198 of 384 Mid-Market CUs have this signature | 745 nationally
↓ Shrinking -10 CUs YoY | Rank improving

Credit Risk Growth

risk
#143 of 183 • Bottom 41.3% in tier

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

Why This Signature
Loan Growth (YoY): 6.98%
(Tier: 6.71%, National: 1.74%)
but better than tier avg
Delinquency Change (YoY): 0.04% points
(Tier: 0.06% points, National: 0.12% points)
but better than tier avg
183 of 384 Mid-Market CUs have this signature | 710 nationally
→ No prior data (183 CUs now) | New qualifier

Credit Quality Pressure

risk
#189 of 225 • Bottom 49.7% in tier

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

Why This Signature
Delinquency Change (YoY): 0.04% points
(Tier: 0.06% points, National: 0.12% points)
but better than tier avg
225 of 384 Mid-Market CUs have this signature | 1013 nationally
→ Stable (228→225 CUs) -3 CUs YoY | Rank worsening

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 306 peers in tier

Top Strengths (5 metrics)

3
Total Deposits
balance_sheet
Value: $2.54B
Peer Median: $1.31B
#3 of 306 Top 0.7% in 1B-3B tier
6
Total Assets
balance_sheet
Value: $2.87B
Peer Median: $1.51B
#6 of 306 Top 1.6% in 1B-3B tier
11
Total Members
engagement
Value: 180,917
Peer Median: 85,918
#11 of 306 Top 3.3% in 1B-3B tier
14
Total Loans
balance_sheet
Value: $2.14B
Peer Median: $1.11B
#14 of 306 Top 4.2% in 1B-3B tier
57
AMR Growth Rate
growth
Value: 7.36%
Peer Median: 3.15%
#57 of 306 Top 18.3% in 1B-3B tier

Top Weaknesses (2 metrics)

244
Total Delinquency Rate (60+ days)
risk
Value: 1.02%
Peer Median: 0.63%
#244 of 306 Bottom 20.6% in 1B-3B tier
237
Fee Income Per Member
profitability
Value: $150.16
Peer Median: $191.54
#237 of 306 Bottom 22.9% in 1B-3B tier
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