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 1.4% in tier
Key Concerns
Areas that may need attention
- - ROA 2.34% below tier average
- - Delinquency rate 4.47% above tier average
- - Share Certificate Concentration (%): Bottom 0.3% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,038
+0.8% YoY0% QoQ
|
-1.6K |
2,625
-2.2% YoY
|
15,920
+4.0% YoY
|
33,089
+6.1% YoY
|
30% |
| Assets |
$7.4M
-6.3% YoY-1.0% QoQ
|
$-22.4M |
$29.9M
+1.1% YoY
|
$210.9M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
27% |
| Loans |
$7.0M
+5.9% YoY+1.5% QoQ
|
$-8.7M |
$15.8M
-2.4% YoY
|
$147.8M
+9.0% YoY
|
$388.7M
+8.6% YoY
|
42% |
| Deposits |
$6.3M
-6.1% YoY-0.8% QoQ
|
$-19.2M |
$25.5M
+0.4% YoY
|
$183.9M
+12.2% YoY
|
$464.6M
+9.3% YoY
|
27% |
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| ROA |
-1.7%
-732.3% YoY-10.6% QoQ
|
-2.3% |
0.7%
-731.4% YoY
|
0.6%
+117.2% YoY
|
0.7%
+273.4% YoY
|
Bottom 3.8% in tier |
| NIM |
3.7%
-5.9% YoY+2.2% QoQ
|
-0.2% |
3.9%
+3.8% YoY
|
3.8%
+3.2% YoY
|
3.7%
+5.0% YoY
|
42% |
| Efficiency Ratio |
66.9%
+4.0% YoY-4.4% QoQ
|
-14.5% |
81.4%
-2.4% YoY
|
78.5%
-6.5% YoY
|
79.1%
-3.3% YoY
|
25% |
| Delinquency Rate |
6.0%
+108.8% YoY+12.2% QoQ
|
+4.5 |
1.5%
-2.0% YoY
|
1.2%
+9.9% YoY
|
1.2%
-0.9% YoY
|
Top 4.6% in tier |
| Loan To Share |
111.6%
+12.8% YoY+2.3% QoQ
|
+50.4% |
61.2%
-3.0% YoY
|
72.3%
-3.7% YoY
|
68.0%
-1.7% YoY
|
Top 1.6% in tier |
| AMR |
$12,827
-0.9% YoY+0.4% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$16,810
+3.4% YoY
|
$19,418
+1.3% YoY
|
45% |
| CD Concentration |
87.0%
+0.8% YoY+1.6% QoQ
|
+62.6% |
24.4%
+4.2% YoY
|
18.1%
+9.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
10.3%
-9.1% 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)