BlastPoint's Credit Union Scorecard
L. E. O.
Charter #66329 · OH
L. E. O. has 5 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.02% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 5.6% in tier
- + Net Worth Ratio: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.13% below tier average
- - Efficiency ratio 10.78% above tier (higher cost structure)
- - Delinquency rate 4.18% above tier average
- - Member decline: -4.6% YoY
- - Total Delinquency Rate (60+ days): Bottom 5.1% in tier
- - Share Certificate Concentration (%): Bottom 8.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,543
-4.6% YoY-1.8% QoQ
|
-1.1K |
2,625
-2.2% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
41% |
| Assets |
$10.5M
-2.0% YoY-4.3% QoQ
|
$-19.4M |
$29.9M
+1.1% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
33% |
| Loans |
$3.8M
-10.1% YoY-0.2% QoQ
|
$-11.9M |
$15.8M
-2.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
28% |
| Deposits |
$8.0M
-4.2% YoY-6.1% QoQ
|
$-17.5M |
$25.5M
+0.4% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
32% |
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| ROA |
0.5%
+1611.4% YoY-34.4% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
39% |
| NIM |
4.0%
+4.5% YoY+1.3% QoQ
|
+0.0% |
3.9%
+3.8% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
52% |
| Efficiency Ratio |
92.2%
-9.8% YoY+2.7% QoQ
|
+10.8% |
81.4%
-2.4% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
80% |
| Delinquency Rate |
5.7%
+129.2% YoY+6.0% QoQ
|
+4.2 |
1.5%
-2.0% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
Top 5.1% in tier |
| Loan To Share |
47.9%
-6.2% YoY+6.2% QoQ
|
-13.3% |
61.2%
-3.0% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
29% |
| AMR |
$7,644
-1.7% YoY-2.5% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
18% |
| CD Concentration |
38.5%
+28.8% YoY+0.3% QoQ
|
+14.1% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
11.2%
-0.8% 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)