BlastPoint's Credit Union Scorecard

LEHIGH VALLEY EDUCATORS

Charter #64606 · PA

100M-500M

1070 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 0.19% above tier average
+ Total Assets: Top 1.6% in tier
+ Total Deposits: Top 1.8% in tier
+ Members Per Employee (MPE): Top 4.9% in tier
+ Efficiency Ratio: Top 8.2% in tier
+ Average Member Relationship (AMR): Top 9.2% 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 0.36% above tier average
- Loan-to-Share Ratio: Bottom 1.5% in tier
- Net Interest Margin (NIM): Bottom 1.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	15,047 -1.7% YoY-0.5% QoQ	-98	15,145 -2.5% YoY	18,228 +6.1% YoY	33,913 +5.7% YoY	59%
Assets	$483.2M +7.0% YoY+1.9% QoQ	+$251.5M	$231.7M +0.8% YoY	$307.3M +11.2% YoY	$578.3M +9.0% YoY	Top 1.7% in tier
Loans	$117.6M +0.6% YoY-0.4% QoQ	$-26.6M	$144.1M +0.2% YoY	$202.4M +9.8% YoY	$402.4M +8.7% YoY	48%
Deposits	$419.2M +6.2% YoY+2.3% QoQ	+$218.1M	$201.1M +0.4% YoY	$264.3M +10.7% YoY	$494.3M +9.1% YoY	Top 1.9% 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	0.9% +10.7% YoY+17.6% QoQ	+0.2%	0.7% +5.1% YoY	0.8% +3.2% YoY	0.4% -39.2% YoY	66%
NIM	2.2% +2.3% YoY+1.1% QoQ	-1.4%	3.6% +4.6% YoY	3.5% +3.1% YoY	3.8% +4.1% YoY	Bottom 1.8% in tier
Efficiency Ratio	59.7% -2.3% YoY-5.4% QoQ	-18.3%	78.0% -1.7% YoY	78.0% -8.8% YoY	84.6% +2.8% YoY	Top 8.2% in tier
Delinquency Rate	1.1% -27.6% YoY-1.5% QoQ	+0.4	0.8% +7.1% YoY	1.2% -7.0% YoY	1.2% +3.4% YoY	81%
Loan To Share	28.0% -5.2% YoY-2.7% QoQ	-42.4%	70.4% -0.4% YoY	52.5% -2.7% YoY	65.6% -1.4% YoY	Bottom 1.4% in tier
AMR	$35,674 +6.8% YoY+2.2% QoQ	+$11K	$24,918 +2.7% YoY	$16,757 +3.3% YoY	$19,920 +1.6% YoY	Top 9.3% in tier
CD Concentration	31.7% +7.2% YoY+2.2% QoQ	+7.4%	24.3%	15.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	8.3%	7.7%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#82 of 257 • 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): 6.77%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $3.4K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | Rank improving

Wallet Share Momentum

growth

#301 of 491 • 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): 6.77%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | Rank improving

Concerns (2)

Stagnation Risk

risk

#281 of 570 • 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): -1.75%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 0.63%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 1.14%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#393 of 570 • 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): -1.75%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

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 1070 peers in tier

Top Strengths (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Total Assets

balance_sheet

Value: $483.24M

Peer Median: $196.57M

#18 of 1070 Top 1.6% in 100M-500M tier

Total Deposits

balance_sheet

Value: $419.22M

Peer Median: $171.29M

#20 of 1070 Top 1.8% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 518.862

Peer Median: 309.176

#53 of 1070 Top 4.9% in 100M-500M tier

Efficiency Ratio

profitability

Value: 59.70%

Peer Median: 78.68%

#89 of 1070 Top 8.2% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $35,674

Peer Median: $22,931

#99 of 1070 Top 9.2% in 100M-500M tier

145

Net Worth Ratio

risk

Value: 15.26%

Peer Median: 11.45%

#145 of 1070 Top 13.5% in 100M-500M tier

234

AMR Growth Rate

growth

Value: 6.77%

Peer Median: 3.46%

#234 of 1070 Top 21.8% in 100M-500M tier

262

Asset Growth Rate

growth

Value: 6.99%

Peer Median: 3.91%

#262 of 1070 Top 24.4% in 100M-500M tier

Top Weaknesses (4 metrics)

1055

Loan-to-Share Ratio

balance_sheet

Value: 28.04%

Peer Median: 71.88%

#1055 of 1070 Bottom 1.5% in 100M-500M tier

1051

Net Interest Margin (NIM)

profitability

Value: 2.20%

Peer Median: 3.62%

#1051 of 1070 Bottom 1.9% in 100M-500M tier

870

Total Delinquency Rate (60+ days)

risk

Value: 1.14%

Peer Median: 0.61%

#870 of 1070 Bottom 18.8% in 100M-500M tier

826

Share Certificate Concentration (%)

balance_sheet

Value: 31.72%

Peer Median: 23.10%

#826 of 1070 Bottom 22.9% in 100M-500M tier