BlastPoint's Credit Union Scorecard
L. E. O.
Charter #66329 · OH
L. E. O. faces 8 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 1.97% below tier average
- - Efficiency ratio 25.34% above tier (higher cost structure)
- - Delinquency rate 4.66% above tier average
- - Member decline: -3.8% YoY
- - Total Delinquency Rate (60+ days): Bottom 4.4% in tier
- - Share Certificate Concentration (%): Bottom 6.7% in tier
- - Net Charge-Off Rate: Bottom 7.5% in tier
- - Deposit Growth Rate: Bottom 9.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,521
-3.8% YoY-0.1% QoQ
|
-1.2K |
2,676
+1.6% YoY
|
16,936
+6.2% YoY
|
33,913
+5.7% YoY
|
41% |
| Assets |
$10.4M
-5.8% YoY+1.4% QoQ
|
$-19.8M |
$30.2M
+1.3% YoY
|
$257.9M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
32% |
| Loans |
$3.7M
-3.8% YoY-5.1% QoQ
|
$-11.6M |
$15.3M
-2.0% YoY
|
$174.2M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
28% |
| Deposits |
$7.9M
-8.2% YoY+2.5% QoQ
|
$-17.9M |
$25.8M
+0.7% YoY
|
$221.5M
+9.0% YoY
|
$494.3M
+9.1% YoY
|
31% |
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| ROA |
-1.8%
-285.4% YoY-465.2% QoQ
|
-2.0% |
0.1%
-77.6% YoY
|
0.6%
+16.1% YoY
|
0.4%
-39.2% YoY
|
Bottom 5.2% in tier |
| NIM |
3.8%
-12.2% YoY-8.4% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.7%
+1.7% YoY
|
3.8%
+4.1% YoY
|
48% |
| Efficiency Ratio |
116.0%
+38.2% YoY+30.2% QoQ
|
+25.3% |
90.6%
+6.5% YoY
|
82.0%
-2.0% YoY
|
84.6%
+2.8% YoY
|
Bottom 6.8% in tier |
| Delinquency Rate |
6.2%
+110.1% YoY-9.0% QoQ
|
+4.7 |
1.5%
+3.8% YoY
|
1.4%
+35.7% YoY
|
1.2%
+3.4% YoY
|
Bottom 4.4% in tier |
| Loan To Share |
46.9%
+4.8% YoY-7.4% QoQ
|
-11.7% |
58.5%
-3.0% YoY
|
61.3%
-2.1% YoY
|
65.6%
-1.4% YoY
|
32% |
| AMR |
$7,638
-3.2% YoY-0.0% QoQ
|
$-7K |
$14,884
-1.7% YoY
|
$17,686
+5.3% YoY
|
$19,920
+1.6% YoY
|
17% |
| CD Concentration |
41.4%
+13.6% YoY+1.9% QoQ
|
+17.1% | 24.3% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.4% | 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)