BlastPoint's Credit Union Scorecard
LOVERS LANE
Charter #64208 · MO
LOVERS LANE has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 2.3% in tier
Key Concerns
Areas that may need attention
- - ROA 1.83% below tier average
- - Delinquency rate 1.90% above tier average
- - Share Certificate Concentration (%): Bottom 0.4% in tier
- - Net Charge-Off Rate: Bottom 3.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,028
-0.7% YoY-1.0% QoQ
|
-1.6K |
2,615
-1.9% YoY
|
15,911
+2.9% YoY
|
33,374
+5.7% YoY
|
29% |
| Assets |
$7.5M
-4.9% YoY+0.5% QoQ
|
$-22.7M |
$30.1M
+2.1% YoY
|
$212.3M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
26% |
| Loans |
$6.7M
+1.3% YoY-4.9% QoQ
|
$-9.1M |
$15.8M
-1.3% YoY
|
$149.4M
+8.7% YoY
|
$397.0M
+8.8% YoY
|
41% |
| Deposits |
$6.3M
-4.3% YoY+0.7% QoQ
|
$-19.4M |
$25.7M
+1.4% YoY
|
$185.2M
+10.6% YoY
|
$477.3M
+9.7% YoY
|
27% |
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| ROA |
-1.2%
-1021.2% YoY-27.0% QoQ
|
-1.8% |
0.6%
+10.8% YoY
|
0.7%
+53.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 4.9% in tier |
| NIM |
3.8%
-1.4% YoY+2.6% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.8%
+3.0% YoY
|
3.8%
+5.1% YoY
|
46% |
| Efficiency Ratio |
74.8%
+5.7% YoY+11.9% QoQ
|
-7.7% |
82.6%
-2.3% YoY
|
77.6%
-5.0% YoY
|
79.7%
-3.3% YoY
|
38% |
| Delinquency Rate |
3.5%
+28.5% YoY-42.1% QoQ
|
+1.9 |
1.6%
-3.1% YoY
|
1.3%
+20.7% YoY
|
1.3%
-2.1% YoY
|
Top 10.8% in tier |
| Loan To Share |
105.5%
+5.9% YoY-5.5% QoQ
|
+44.8% |
60.6%
-3.1% YoY
|
71.1%
-4.0% YoY
|
67.4%
-1.7% YoY
|
Top 2.5% in tier |
| AMR |
$12,658
-0.9% YoY-1.3% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$16,896
+3.0% YoY
|
$19,687
+2.0% YoY
|
43% |
| CD Concentration |
76.2%
+0.2% YoY-12.5% QoQ
|
+51.8% | 24.4% | 18.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.0% | 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)