BlastPoint's Credit Union Scorecard
L&N EMPLOYEES
Charter #62356 · AL
L&N EMPLOYEES has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.14% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 5.6% in tier
Key Concerns
Areas that may need attention
- - ROA 2.62% below tier average
- - Efficiency ratio 49.53% above tier (higher cost structure)
- - Delinquency rate 2.41% above tier average
- - Total Delinquency Rate (60+ days): Bottom 8.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,417
-0.7% YoY+0.1% QoQ
|
-1.2K |
2,615
-1.9% YoY
|
27,849
-7.3% YoY
|
33,374
+5.7% YoY
|
39% |
| Assets |
$8.0M
-2.4% YoY-2.7% QoQ
|
$-22.2M |
$30.1M
+2.1% YoY
|
$442.6M
+8.5% YoY
|
$561.6M
+9.7% YoY
|
28% |
| Loans |
$4.4M
-9.7% YoY-1.6% QoQ
|
$-11.3M |
$15.8M
-1.3% YoY
|
$260.4M
+7.2% YoY
|
$397.0M
+8.8% YoY
|
31% |
| Deposits |
$6.7M
-0.6% YoY-1.1% QoQ
|
$-19.0M |
$25.7M
+1.4% YoY
|
$387.0M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
28% |
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| ROA |
-2.0%
+77.1% YoY+10.4% QoQ
|
-2.6% |
0.6%
+10.8% YoY
|
0.7%
+32.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 3.2% in tier |
| NIM |
5.1%
-4.1% YoY+1.8% QoQ
|
+1.1% |
4.0%
+4.0% YoY
|
3.7%
+4.6% YoY
|
3.8%
+5.1% YoY
|
Top 12.5% in tier |
| Efficiency Ratio |
132.1%
+12.9% YoY+1.5% QoQ
|
+49.5% |
82.6%
-2.3% YoY
|
78.3%
-5.6% YoY
|
79.7%
-3.3% YoY
|
Top 2.9% in tier |
| Delinquency Rate |
4.0%
+179.1% YoY+583.0% QoQ
|
+2.4 |
1.6%
-3.1% YoY
|
1.7%
+25.2% YoY
|
1.3%
-2.1% YoY
|
Top 8.8% in tier |
| Loan To Share |
66.3%
-9.2% YoY-0.5% QoQ
|
+5.7% |
60.6%
-3.1% YoY
|
60.7%
-1.8% YoY
|
67.4%
-1.7% YoY
|
58% |
| AMR |
$7,827
-3.8% YoY-1.3% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$17,441
+4.4% YoY
|
$19,687
+2.0% YoY
|
18% |
| CD Concentration |
22.5%
-5.0% YoY+2.4% QoQ
|
-1.9% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.2% | 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)