BlastPoint's Credit Union Scorecard
LAMOURE
Charter #62218 · ND
LAMOURE demonstrates 7 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.29% 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 0.6% in tier
- + Loan-to-Member Ratio (LMR): Top 1.4% in tier
- + Efficiency Ratio: Top 5.6% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,119
-1.7% YoY-0.4% QoQ
|
-1.5K |
2,615
-1.9% YoY
|
7,403
+0.2% YoY
|
33,374
+5.7% YoY
|
31% |
| Assets |
$39.9M
+5.3% YoY+8.4% QoQ
|
+$9.8M |
$30.1M
+2.1% YoY
|
$203.1M
+5.7% YoY
|
$561.6M
+9.7% YoY
|
69% |
| Loans |
$17.9M
+4.3% YoY+1.6% QoQ
|
+$2.2M |
$15.8M
-1.3% YoY
|
$138.6M
+3.3% YoY
|
$397.0M
+8.8% YoY
|
66% |
| Deposits |
$32.9M
+4.1% YoY+9.9% QoQ
|
+$7.2M |
$25.7M
+1.4% YoY
|
$169.6M
+4.0% YoY
|
$477.3M
+9.7% YoY
|
68% |
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| ROA |
1.9%
-28.4% YoY-13.3% QoQ
|
+1.3% |
0.6%
+10.8% YoY
|
0.8%
+5.9% YoY
|
0.7%
+15.9% YoY
|
Top 8.1% in tier |
| NIM |
3.7%
-11.2% YoY-4.4% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.3%
+8.5% YoY
|
3.8%
+5.1% YoY
|
41% |
| Efficiency Ratio |
51.9%
+18.9% YoY+10.5% QoQ
|
-30.6% |
82.6%
-2.3% YoY
|
75.8%
-12.1% YoY
|
79.7%
-3.3% YoY
|
Bottom 5.6% in tier |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
0.9%
+9.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
54.5%
+0.2% YoY-7.6% QoQ
|
-6.1% |
60.6%
-3.1% YoY
|
70.8%
-2.6% YoY
|
67.4%
-1.7% YoY
|
41% |
| AMR |
$45,399
+6.0% YoY+7.2% QoQ
|
+$31K |
$14,783
-1.4% YoY
|
$32,845
+1.7% YoY
|
$19,687
+2.0% YoY
|
Top 0.7% in tier |
| CD Concentration |
25.4%
+6.7% YoY-6.6% QoQ
|
+1.0% | 24.4% | 22.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.1% | 7.8% | 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)