BlastPoint's Credit Union Scorecard
L&N EMPLOYEES
Charter #62356 · AL
L&N EMPLOYEES has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.07% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 6.9% in tier
Key Concerns
Areas that may need attention
- - ROA 2.49% below tier average
- - Efficiency ratio 48.73% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,416
-1.3% YoY-1.2% QoQ
|
-1.2K |
2,625
-2.2% YoY
|
29,240
-2.8% YoY
|
33,089
+6.1% YoY
|
39% |
| Assets |
$8.2M
-1.4% YoY-3.1% QoQ
|
$-21.6M |
$29.9M
+1.1% YoY
|
$436.7M
+7.4% YoY
|
$547.7M
+7.8% YoY
|
28% |
| Loans |
$4.5M
-11.8% YoY-6.7% QoQ
|
$-11.3M |
$15.8M
-2.4% YoY
|
$258.0M
+6.8% YoY
|
$388.7M
+8.6% YoY
|
32% |
| Deposits |
$6.7M
-1.2% YoY-4.1% QoQ
|
$-18.7M |
$25.5M
+0.4% YoY
|
$382.5M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
29% |
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| ROA |
-1.8%
+141.9% YoY-7.1% QoQ
|
-2.5% |
0.7%
-731.4% YoY
|
0.8%
+31.6% YoY
|
0.7%
+273.4% YoY
|
Bottom 3.5% in tier |
| NIM |
5.0%
-4.6% YoY+2.1% QoQ
|
+1.1% |
3.9%
+3.8% YoY
|
3.7%
+6.4% YoY
|
3.7%
+5.0% YoY
|
Top 14.0% in tier |
| Efficiency Ratio |
130.1%
+16.8% YoY-2.7% QoQ
|
+48.7% |
81.4%
-2.4% YoY
|
76.4%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 3.4% in tier |
| Delinquency Rate |
0.6%
-53.9% YoY+13.0% QoQ
|
-0.9 |
1.5%
-2.0% YoY
|
1.7%
+18.9% YoY
|
1.2%
-0.9% YoY
|
46% |
| Loan To Share |
66.6%
-10.7% YoY-2.7% QoQ
|
+5.4% |
61.2%
-3.0% YoY
|
60.8%
-1.6% YoY
|
68.0%
-1.7% YoY
|
57% |
| AMR |
$7,933
-4.5% YoY-4.0% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$17,062
+2.3% YoY
|
$19,418
+1.3% YoY
|
19% |
| CD Concentration |
22.0%
-6.5% YoY+4.3% QoQ
|
-2.4% |
24.4%
+4.2% YoY
|
20.8%
+2.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.4%
-6.7% 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)