BlastPoint's Credit Union Scorecard

LAKE TRUST

Charter #62047 · MI

Mid-Market 1B-3B

Lake Trust at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

Lake Trust is one of 101 credit unions in the 2026 VentureTech card set. We also found Lake Trust's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET
VENTURETECH EDITION
Lake Trust
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300 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 22.8% in tier
  • + Net Interest Margin 0.25% above tier average
  • + Total Deposits: Top 0.7% in tier
  • + Total Assets: Top 2.0% in tier
  • + Total Loans: Top 2.7% in tier
  • + Total Members: Top 4.0% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 41.7% in tier
  • - Credit Quality Pressure: Bottom 43.5% in tier
  • - Credit Risk Growth: Bottom 45.4% in tier
  • - ROA 0.12% below tier average
  • - Efficiency ratio 0.68% above tier (higher cost structure)
  • - Delinquency rate 0.20% above tier average
WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

  1. 1 CLEAR Your card arrived By email from Collier at BlastPoint
  2. 2 YOU ARE HERE Open your pack Right here on your Scorecard
  3. 3 BOSS LEVEL Grab the real pack At the BlastPoint booth
  4. 4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report
ADMIT ONE · PLAYER 1
Your printed pack
Where
The BlastPoint booth, Omni Fort Worth
Expo hall
Mon Nov 16 and Tue Nov 17
Pick a time to meet

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Members 175,187
-0.3% YoY-3.2% QoQ
 +78.3K 96,861
-1.9% YoY
 36,289
+5.9% YoY
 34,678
+6.6% YoY
 Top 4.3% in tier
Assets $2.9B
+6.1% YoY+0.4% QoQ
 +$1.2B $1.7B
+0.4% YoY
 $717.2M
+13.9% YoY
 $593.1M
+10.2% YoY
 Top 2.3% in tier
Loans $2.2B
+6.5% YoY+3.1% QoQ
 +$970.3M $1.2B
+0.7% YoY
 $498.6M
+13.7% YoY
 $418.6M
+10.1% YoY
 Top 3.0% in tier
Deposits $2.5B
+6.0% YoY+0.1% QoQ
 +$1.1B $1.5B
+0.5% YoY
 $610.4M
+14.2% YoY
 $504.8M
+10.3% 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

Want to see an example first? Preview Navy Federal's scorecard →

ROA 0.7%
+24.2% YoY+30.1% QoQ
 -0.1% 0.8%
+27.6% YoY
 1.0%
+47.3% YoY
 1.2%
+121.4% YoY
 42%
NIM 3.7%
+7.0% YoY+3.1% QoQ
 +0.3% 3.4%
+6.6% YoY
 3.8%
+4.4% YoY
 3.8%
+2.3% YoY
 67%
Efficiency Ratio 73.7%
-2.9% YoY-4.1% QoQ
 +0.7% 73.0%
-2.7% YoY
 74.6%
-8.6% YoY
 83.0%
-5.3% YoY
 51%
Delinquency Rate 1.1%
+6.1% YoY+3.6% QoQ
 +0.2 0.9%
+7.3% YoY
 0.9%
+9.0% YoY
 1.3%
+2.6% YoY
 74%
Loan To Share 86.6%
+0.5% YoY+3.0% QoQ
 +1.9% 84.7%
+0.1% YoY
 66.6%
+0.6% YoY
 66.4%
-1.4% YoY
 49%
AMR $27,117
+6.5% YoY+4.8% QoQ
 $-2K $29,575
+1.5% YoY
 $23,154
+6.0% YoY
 $20,028
-0.9% YoY
 43%
CD Concentration 25.8%
+5.8% YoY+1.1% QoQ
 -3.3% 29.1% 18.8% 20.0% 37%
Indirect Auto % 17.8%
-9.7% YoY-4.9% QoQ
 -0.3% 18.1% 11.7% 7.7% 56%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth
#85 of 125 • Top 22.8% in tier

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

Why This Signature
AMR Growth (YoY): 6.51%
(Tier: 3.62%, National: 35.20%)
better than tier avg
125 of 377 Mid-Market CUs have this signature | 635 nationally
↑ Growing +22 CUs YoY | Rank worsening

Concerns (3)

Indirect Auto Dependency

risk
#120 of 193 • Bottom 41.7% in tier

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

Why This Signature
Asset Growth (YoY): 6.07%
(Tier: 6.52%, National: 3.30%)
worse than tier avg
Indirect Auto %: 17.76%
(Tier: 18.08%, National: 7.71%)
but better than tier avg
Member Growth (YoY): -0.26%
(Tier: 3.16%, National: 15.67%)
worse than tier avg
193 of 377 Mid-Market CUs have this signature | 714 nationally
↓ Shrinking -10 CUs YoY | Rank improving

Credit Risk Growth

risk
#119 of 170 • Bottom 45.4% in tier

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

Why This Signature
Loan Growth (YoY): 6.55%
(Tier: 6.76%, National: 78.26%)
worse than tier avg
Delinquency Change (YoY): 0.06% points
(Tier: 0.06% points, National: 0.08% points)
worse than tier avg
170 of 377 Mid-Market CUs have this signature | 688 nationally
→ Stable (169→170 CUs) +1 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#162 of 215 • Bottom 43.5% in tier

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

Why This Signature
Delinquency Change (YoY): 0.06% points
(Tier: 0.06% points, National: 0.08% points)
worse than tier avg
215 of 377 Mid-Market CUs have this signature | 962 nationally
↓ Shrinking -28 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 300 peers in tier

Top Strengths (5 metrics)

3
Total Deposits
balance_sheet
Value: $2.55B
Peer Median: $1.30B
#3 of 300 Top 0.7% in 1B-3B tier
7
Total Assets
balance_sheet
Value: $2.88B
Peer Median: $1.51B
#7 of 300 Top 2.0% in 1B-3B tier
9
Total Loans
balance_sheet
Value: $2.20B
Peer Median: $1.14B
#9 of 300 Top 2.7% in 1B-3B tier
13
Total Members
engagement
Value: 175,187
Peer Median: 86,516
#13 of 300 Top 4.0% in 1B-3B tier
69
AMR Growth Rate
growth
Value: 6.51%
Peer Median: 3.19%
#69 of 300 Top 22.7% in 1B-3B tier

Top Weaknesses (0 metrics)

No weakness rankings available
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