BlastPoint's Credit Union Scorecard
LOVERS LANE
Charter #64208 · MO
LOVERS LANE has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.81% above tier average
- + Loan-to-Share Ratio: Top 2.5% in tier
- + Efficiency Ratio: Top 3.9% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.43% above tier average
- - Share Certificate Concentration (%): Bottom 0.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,032
-1.1% YoY+0.4% QoQ
|
-1.6K |
2,676
+1.6% YoY
|
15,395
-0.3% YoY
|
33,913
+5.7% YoY
|
29% |
| Assets |
$7.7M
-2.3% YoY+3.0% QoQ
|
$-22.5M |
$30.2M
+1.3% YoY
|
$217.9M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
26% |
| Loans |
$6.7M
-2.2% YoY-0.4% QoQ
|
$-8.6M |
$15.3M
-2.0% YoY
|
$149.6M
+7.9% YoY
|
$402.4M
+8.7% YoY
|
41% |
| Deposits |
$6.5M
-2.7% YoY+2.6% QoQ
|
$-19.3M |
$25.8M
+0.7% YoY
|
$190.9M
+9.2% YoY
|
$494.3M
+9.1% YoY
|
27% |
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| ROA |
2.0%
-174.8% YoY-262.0% QoQ
|
+1.8% |
0.1%
-77.6% YoY
|
-0.4%
-263.3% YoY
|
0.4%
-39.2% YoY
|
Top 7.0% in tier |
| NIM |
3.7%
+17.4% YoY-1.4% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.9%
+2.8% YoY
|
3.8%
+4.1% YoY
|
46% |
| Efficiency Ratio |
47.8%
-38.4% YoY-36.1% QoQ
|
-42.8% |
90.6%
+6.5% YoY
|
82.5%
-4.9% YoY
|
84.6%
+2.8% YoY
|
Top 3.9% in tier |
| Delinquency Rate |
2.9%
-54.0% YoY-15.1% QoQ
|
+1.4 |
1.5%
+3.8% YoY
|
1.1%
+7.9% YoY
|
1.2%
+3.4% YoY
|
Bottom 11.9% in tier |
| Loan To Share |
102.4%
+0.5% YoY-2.9% QoQ
|
+43.9% |
58.5%
-3.0% YoY
|
68.7%
-4.0% YoY
|
65.6%
-1.4% YoY
|
Top 2.6% in tier |
| AMR |
$12,740
-1.3% YoY+0.7% QoQ
|
$-2K |
$14,884
-1.7% YoY
|
$17,151
+1.8% YoY
|
$19,920
+1.6% YoY
|
43% |
| CD Concentration |
76.3%
-11.3% YoY+0.1% QoQ
|
+52.0% | 24.3% | 18.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.8% | 7.7% | 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)