BlastPoint's Credit Union Scorecard

LEHIGH VALLEY EDUCATORS

Charter #64606 · PA

100M-500M

1024 CUs in 100M-500M nationally 62 in PA

LEHIGH VALLEY EDUCATORS has 8 strengths but faces 5 concerns

National Analysis

How does the industry compare?

PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.13% above tier average
+ Total Assets: Top 1.0% in tier
+ Total Deposits: Top 1.6% in tier
+ Members Per Employee (MPE): Top 4.7% in tier
+ Efficiency Ratio: Top 6.2% in tier
+ Average Member Relationship (AMR): Top 9.0% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Delinquency rate 0.21% above tier average
- Net Interest Margin (NIM): Bottom 1.8% in tier
- Loan-to-Share Ratio: Bottom 2.0% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 62 that size in Pennsylvania.
Shares and deposits +4.2% year over year ($420M in shares and deposits).
Membership: 14,979 members, -1.9% vs a year ago.
Delinquency rate 1.09%.
Return on assets 0.99%.
Efficiency ratio 57.44% vs a 76.73% peer average.
Loan-to-share ratio 28.69% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	14,979 -1.9% YoY-0.5% QoQ	-189	15,168 -2.6% YoY	18,280 +5.8% YoY	34,678 +6.6% YoY	59%
Assets	$485.2M +5.1% YoY+0.4% QoQ	+$253.2M	$232.0M +0.7% YoY	$308.6M +9.9% YoY	$593.1M +10.2% YoY	Top 1.1% in tier
Loans	$120.6M +3.3% YoY+2.6% QoQ	$-25.6M	$146.3M +0.2% YoY	$207.1M +9.1% YoY	$418.6M +10.1% YoY	48%
Deposits	$420.5M +4.2% YoY+0.3% QoQ	+$219.8M	$200.7M +0.2% YoY	$264.2M +9.3% YoY	$504.8M +10.3% YoY	Top 1.7% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.0% +22.2% YoY+7.9% QoQ	+0.1%	0.9% +12.5% YoY	1.0% +23.3% YoY	1.2% +121.4% YoY	64%
NIM	2.2% +4.9% YoY+2.3% QoQ	-1.4%	3.7% +4.5% YoY	3.5% +2.1% YoY	3.8% +2.3% YoY	Bottom 1.7% in tier
Efficiency Ratio	57.4% -7.8% YoY-3.8% QoQ	-19.3%	76.7% -0.8% YoY	76.6% -2.6% YoY	83.0% -5.3% YoY	Top 6.2% in tier
Delinquency Rate	1.1% -27.3% YoY-3.7% QoQ	+0.2	0.9% +6.6% YoY	1.2% -8.4% YoY	1.3% +2.6% YoY	72%
Loan To Share	28.7% -0.9% YoY+2.3% QoQ	-42.9%	71.5% -0.3% YoY	53.4% -2.0% YoY	66.4% -1.4% YoY	Bottom 1.9% in tier
AMR	$36,125 +6.1% YoY+1.3% QoQ	+$11K	$25,107 +3.2% YoY	$16,967 +3.7% YoY	$20,028 -0.9% YoY	Top 9.1% in tier
CD Concentration	33.2% +7.7% YoY+4.7% QoQ	+8.7%	24.6%	15.6%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	8.4%	7.7%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#107 of 262 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 6.06%

(Tier: 3.97%, National: 35.20%)

better than tier avg

Share Draft per Member: $3.4K

(Tier: $2.9K, National: $2.1K)

better than tier avg

262 of 1024 Mid-Small & Community CUs have this signature | 354 nationally

↑ Growing +11 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#376 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.06%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | Rank worsening

Concerns (2)

Stagnation Risk

risk

#327 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.92%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 3.28%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 1.09%

(Tier: 0.87%, National: 1.26%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank worsening

Membership Headwinds

decline

#341 of 549 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.92%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

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 1024 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Total Assets

balance_sheet

Value: $485.19M

Peer Median: $196.38M

#11 of 1024 Top 1.0% in 100M-500M tier

Total Deposits

balance_sheet

Value: $420.49M

Peer Median: $170.77M

#17 of 1024 Top 1.6% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 516.517

Peer Median: 310.924

#49 of 1024 Top 4.7% in 100M-500M tier

Efficiency Ratio

profitability

Value: 57.44%

Peer Median: 77.26%

#65 of 1024 Top 6.2% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $36,125

Peer Median: $23,006

#93 of 1024 Top 9.0% in 100M-500M tier

146

Net Worth Ratio

risk

Value: 15.46%

Peer Median: 11.71%

#146 of 1024 Top 14.2% in 100M-500M tier

Top Weaknesses (3 metrics)

1007

Net Interest Margin (NIM)

profitability

Value: 2.25%

Peer Median: 3.67%

#1007 of 1024 Bottom 1.8% in 100M-500M tier

1005

Loan-to-Share Ratio

balance_sheet

Value: 28.69%

Peer Median: 73.07%

#1005 of 1024 Bottom 2.0% in 100M-500M tier

821

Share Certificate Concentration (%)

balance_sheet

Value: 33.23%

Peer Median: 23.39%

#821 of 1024 Bottom 19.9% in 100M-500M tier