BlastPoint's Credit Union Scorecard
LAMOURE
Charter #62218 · ND
LAMOURE demonstrates 5 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.40% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Average Member Relationship (AMR): Top 0.6% in tier
- + Loan-to-Member Ratio (LMR): Top 1.7% in tier
- + Efficiency Ratio: Top 8.2% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,122
-1.0% YoY+0.3% QoQ
|
-1.6K |
2,676
+1.6% YoY
|
7,403
+0.4% YoY
|
33,913
+5.7% YoY
|
31% |
| Assets |
$40.6M
+6.9% YoY+1.6% QoQ
|
+$10.4M |
$30.2M
+1.3% YoY
|
$208.9M
+6.8% YoY
|
$578.3M
+9.0% YoY
|
70% |
| Loans |
$17.0M
+3.5% YoY-5.0% QoQ
|
+$1.7M |
$15.3M
-2.0% YoY
|
$139.0M
+4.5% YoY
|
$402.4M
+8.7% YoY
|
66% |
| Deposits |
$33.3M
+5.9% YoY+1.4% QoQ
|
+$7.6M |
$25.8M
+0.7% YoY
|
$173.7M
+3.7% YoY
|
$494.3M
+9.1% YoY
|
68% |
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| ROA |
1.6%
-25.3% YoY-19.0% QoQ
|
+1.4% |
0.1%
-77.6% YoY
|
0.9%
+42.2% YoY
|
0.4%
-39.2% YoY
|
Top 13.8% in tier |
| NIM |
3.3%
-9.8% YoY-11.1% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
3.4%
+5.6% YoY
|
3.8%
+4.1% YoY
|
27% |
| Efficiency Ratio |
55.7%
+18.2% YoY+7.3% QoQ
|
-34.9% |
90.6%
+6.5% YoY
|
74.3%
-6.4% YoY
|
84.6%
+2.8% YoY
|
Top 8.2% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
0.8%
-32.8% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
51.1%
-2.3% YoY-6.3% QoQ
|
-7.4% |
58.5%
-3.0% YoY
|
68.7%
-2.0% YoY
|
65.6%
-1.4% YoY
|
38% |
| AMR |
$44,893
+6.1% YoY-1.1% QoQ
|
+$30K |
$14,884
-1.7% YoY
|
$32,943
+1.9% YoY
|
$19,920
+1.6% YoY
|
Top 0.6% in tier |
| CD Concentration |
26.7%
+5.9% YoY+5.1% QoQ
|
+2.5% | 24.3% | 22.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)