BlastPoint's Credit Union Scorecard
L. E. O.
Charter #66329 · OH
L. E. O. has 1 strength but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.07% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.76% below tier average
- - Efficiency ratio 18.07% above tier (higher cost structure)
- - Delinquency rate 6.41% above tier average
- - Member decline: -3.6% YoY
- - Total Delinquency Rate (60+ days): Bottom 3.2% in tier
- - Share Certificate Concentration (%): Bottom 8.4% in tier
- - Net Charge-Off Rate: Bottom 8.6% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 97 that size in Ohio.
- Shares and deposits -6.9% year over year ($7.9M in shares and deposits).
- Membership: 1,514 members, -3.6% vs a year ago.
- Delinquency rate 7.96%.
- Return on assets 0.73%.
- Efficiency ratio 106.84% vs a 88.77% peer average.
- Loan-to-share ratio 45.32% vs a 58.89% 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 (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,514
-3.6% YoY-0.5% QoQ
|
-1.1K |
2,585
-1.7% YoY
|
18,978
+16.2% YoY
|
34,678
+6.6% YoY
|
41% |
| Assets |
$10.4M
-5.3% YoY-0.1% QoQ
|
$-19.9M |
$30.3M
+1.5% YoY
|
$292.1M
+20.6% YoY
|
$593.1M
+10.2% YoY
|
32% |
| Loans |
$3.6M
-6.4% YoY-3.3% QoQ
|
$-11.9M |
$15.5M
-1.7% YoY
|
$203.0M
+21.8% YoY
|
$418.6M
+10.1% YoY
|
27% |
| Deposits |
$7.9M
-6.9% YoY-0.0% QoQ
|
$-17.9M |
$25.8M
+1.1% YoY
|
$251.0M
+21.0% YoY
|
$504.8M
+10.3% YoY
|
31% |
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| ROA |
0.7%
-13.0% YoY-140.1% QoQ
|
-0.8% |
1.5%
+241.5% YoY
|
0.9%
+55.0% YoY
|
1.2%
+121.4% YoY
|
46% |
| NIM |
4.0%
+1.8% YoY+4.9% QoQ
|
+0.1% |
3.9%
+0.9% YoY
|
3.7%
+2.2% YoY
|
3.8%
+2.3% YoY
|
55% |
| Efficiency Ratio |
106.8%
+19.0% YoY-7.9% QoQ
|
+18.1% |
88.8%
-6.9% YoY
|
79.2%
-2.1% YoY
|
83.0%
-5.3% YoY
|
Bottom 9.4% in tier |
| Delinquency Rate |
8.0%
+48.4% YoY+29.2% QoQ
|
+6.4 |
1.5%
+2.1% YoY
|
1.1%
-6.2% YoY
|
1.3%
+2.6% YoY
|
Bottom 3.2% in tier |
| Loan To Share |
45.3%
+0.5% YoY-3.3% QoQ
|
-13.6% |
58.9%
-3.1% YoY
|
60.7%
-4.2% YoY
|
66.4%
-1.4% YoY
|
29% |
| AMR |
$7,590
-3.2% YoY-0.6% QoQ
|
$-7K |
$14,963
-6.8% YoY
|
$18,171
+7.2% YoY
|
$20,028
-0.9% YoY
|
17% |
| CD Concentration |
39.1%
+1.9% YoY-5.3% QoQ
|
+14.6% | 24.6% | 19.2% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 11.9% | 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)