BlastPoint's Credit Union Scorecard
LAMOURE
Charter #62218 · ND
LAMOURE demonstrates 7 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.53% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 0.9% in tier
- + Loan-to-Member Ratio (LMR): Top 1.6% in tier
- + Efficiency Ratio: Top 4.7% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,123
-1.8% YoY-0.4% QoQ
|
-1.5K |
2,625
-2.2% YoY
|
7,412
-0.5% YoY
|
33,089
+6.1% YoY
|
31% |
| Assets |
$36.9M
+6.4% YoY+0.7% QoQ
|
+$7.0M |
$29.9M
+1.1% YoY
|
$201.0M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
67% |
| Loans |
$17.6M
+1.7% YoY+2.4% QoQ
|
+$1.9M |
$15.8M
-2.4% YoY
|
$137.9M
+2.5% YoY
|
$388.7M
+8.6% YoY
|
66% |
| Deposits |
$29.9M
+5.0% YoY-0.0% QoQ
|
+$4.5M |
$25.5M
+0.4% YoY
|
$165.9M
+4.4% YoY
|
$464.6M
+9.3% YoY
|
65% |
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| ROA |
2.2%
-29.5% YoY+1.3% QoQ
|
+1.5% |
0.7%
-731.4% YoY
|
0.9%
-6.7% YoY
|
0.7%
+273.4% YoY
|
Top 6.2% in tier |
| NIM |
3.9%
-11.2% YoY+2.8% QoQ
|
-0.1% |
3.9%
+3.8% YoY
|
3.4%
+7.4% YoY
|
3.7%
+5.0% YoY
|
48% |
| Efficiency Ratio |
47.0%
+22.5% YoY+1.8% QoQ
|
-34.4% |
81.4%
-2.4% YoY
|
74.0%
-24.8% YoY
|
79.1%
-3.3% YoY
|
Bottom 4.7% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
-2.0% YoY
|
0.9%
-3.9% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
59.0%
-3.2% YoY+2.4% QoQ
|
-2.2% |
61.2%
-3.0% YoY
|
72.0%
-4.4% YoY
|
68.0%
-1.7% YoY
|
47% |
| AMR |
$42,350
+5.7% YoY+1.2% QoQ
|
+$28K |
$14,627
-2.7% YoY
|
$32,427
+3.2% YoY
|
$19,418
+1.3% YoY
|
Top 0.9% in tier |
| CD Concentration |
27.2%
+11.8% YoY-0.1% QoQ
|
+2.8% |
24.4%
+4.2% YoY
|
22.4%
+2.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
1.1%
-2.9% YoY
|
7.9%
-2.9% YoY
|
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)