BlastPoint's Credit Union Scorecard

L&N EMPLOYEES

Charter #62356 · AL

<100M

2508 CUs in <100M nationally 53 in AL

L&N EMPLOYEES has 1 strength but faces 3 concerns

National Analysis

How does the industry compare?

AL Analysis

How does AL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.72% above tier average

Key Concerns

Areas that may need attention

- ROA 2.58% below tier average
- Efficiency ratio 48.70% above tier (higher cost structure)
- Delinquency rate 1.10% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Members	1,416 -1.0% YoY-0.1% QoQ	-1.3K	2,676 +1.6% YoY	28,055 -6.4% YoY	33,913 +5.7% YoY	39%
Assets	$8.0M -5.4% YoY+0.4% QoQ	$-22.2M	$30.2M +1.3% YoY	$451.2M +7.2% YoY	$578.3M +9.0% YoY	27%
Loans	$4.2M -12.9% YoY-4.9% QoQ	$-11.1M	$15.3M -2.0% YoY	$260.3M +6.6% YoY	$402.4M +8.7% YoY	30%
Deposits	$6.7M -3.5% YoY+1.1% QoQ	$-19.0M	$25.8M +0.7% YoY	$395.2M +6.0% YoY	$494.3M +9.1% YoY	28%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	-2.4% +33.3% YoY+21.5% QoQ	-2.6%	0.1% -77.6% YoY	0.6% -14.6% YoY	0.4% -39.2% YoY	Bottom 4.0% in tier
NIM	4.7% -4.6% YoY-7.2% QoQ	+0.7%	4.0% +4.0% YoY	3.7% +0.6% YoY	3.8% +4.1% YoY	83%
Efficiency Ratio	139.3% +7.8% YoY+5.5% QoQ	+48.7%	90.6% +6.5% YoY	80.4% -0.1% YoY	84.6% +2.8% YoY	Bottom 3.6% in tier
Delinquency Rate	2.6% +394.9% YoY-34.3% QoQ	+1.1	1.5% +3.8% YoY	1.6% +17.5% YoY	1.2% +3.4% YoY	Bottom 13.7% in tier
Loan To Share	62.4% -9.8% YoY-5.9% QoQ	+3.9%	58.5% -3.0% YoY	59.2% -1.1% YoY	65.6% -1.4% YoY	56%
AMR	$7,730 -6.4% YoY-1.2% QoQ	$-7K	$14,884 -1.7% YoY	$17,504 +3.5% YoY	$19,920 +1.6% YoY	18%
CD Concentration	23.2% +10.4% YoY+3.2% QoQ	-1.1%	24.3%	21.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	5.1%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

393

Net Charge-Off Rate

risk

Value: -0.02%

Peer Median: 0.07%

#393 of 2508 Top 15.6% in <100M tier

429

Net Interest Margin (NIM)

profitability

Value: 4.72%

Peer Median: 3.83%

#429 of 2508 Top 17.1% in <100M tier

443

Members Per Employee (MPE)

engagement

Value: 472.000

Peer Median: 333.750

#443 of 2508 Top 17.6% in <100M tier

Top Weaknesses (9 metrics)

2418

Efficiency Ratio

profitability

Value: 139.34%

Peer Median: 81.45%

#2418 of 2508 Bottom 3.6% in <100M tier

2408

Return on Assets (ROA)

profitability

Value: -2.43%

Peer Median: 0.61%

#2408 of 2508 Bottom 4.0% in <100M tier

2189

Asset Growth Rate

growth

Value: -5.42%

Peer Median: 1.30%

#2189 of 2508 Bottom 12.8% in <100M tier

2181

AMR Growth Rate

growth

Value: -6.41%

Peer Median: 1.27%

#2181 of 2508 Bottom 13.1% in <100M tier

2165

Total Delinquency Rate (60+ days)

risk

Value: 2.61%

Peer Median: 0.65%

#2165 of 2508 Bottom 13.7% in <100M tier

2125

Loan Growth Rate

growth

Value: -12.91%

Peer Median: -2.36%

#2125 of 2508 Bottom 15.3% in <100M tier

2064

Average Member Relationship (AMR)

engagement

Value: $7,730

Peer Median: $13,926

#2064 of 2508 Bottom 17.7% in <100M tier

1895

Loan-to-Member Ratio (LMR)

engagement

Value: $2,970

Peer Median: $4,923

#1895 of 2508 Bottom 24.5% in <100M tier

1888

Deposit Growth Rate

growth

Value: -3.46%

Peer Median: 0.66%

#1888 of 2508 Bottom 24.8% in <100M tier