LAKEWOOD
Charter #66999 | WI
<100M
(2596 CUs)
Micro
($0-$500M)
53 <100M in WI
LAKEWOOD has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 6.2% in tier
- + AMR Growth Rate: Top 6.2% in tier
- + Deposit Growth Rate: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.58% below tier average
- - Efficiency ratio 8.41% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 6.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,122
-0.7% YoY-0.6% QoQ
|
-1.5K |
2,625
-2.2% YoY
|
38,719
+8.7% YoY
|
33,089
+6.1% YoY
|
31st in tier |
| Assets |
$14.3M
+6.2% YoY+0.9% QoQ
|
$-15.5M |
$29.9M
+1.1% YoY
|
$717.4M
+12.8% YoY
|
$547.7M
+7.8% YoY
|
40th in tier |
| Loans |
$8.9M
+14.7% YoY-2.8% QoQ
|
$-6.9M |
$15.8M
-2.4% YoY
|
$555.6M
+13.3% YoY
|
$388.7M
+8.6% YoY
|
48th in tier |
| Deposits |
$12.5M
+9.9% YoY+0.4% QoQ
|
$-13.0M |
$25.5M
+0.4% YoY
|
$603.1M
+13.2% YoY
|
$464.6M
+9.3% YoY
|
41st in tier |
| ROA |
0.1%
-116.1% YoY-57.4% QoQ
|
-0.6% |
0.7%
-731.4% YoY
|
0.7%
-20.1% YoY
|
0.7%
+273.4% YoY
|
Bottom 19.6% in tier |
| NIM |
3.8%
-2.4% YoY+0.6% QoQ
|
-0.1% |
3.9%
+3.8% YoY
|
3.5%
-0.2% YoY
|
3.7%
+5.0% YoY
|
46th in tier |
| Efficiency Ratio |
89.8%
-20.7% YoY+6.9% QoQ
|
+8.4% |
81.4%
-2.4% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
Top 23.8% in tier |
| Delinquency Rate |
1.3%
+1588.7% YoY-22.2% QoQ
|
-0.2 |
1.5%
-2.0% YoY
|
1.0%
+20.8% YoY
|
1.2%
-0.9% YoY
|
69th in tier |
| Loan To Share |
71.1%
+4.4% YoY-3.2% QoQ
|
+9.8% |
61.2%
-3.0% YoY
|
80.3%
+0.1% YoY
|
68.0%
-1.7% YoY
|
64th in tier |
| AMR |
$19,043
+12.6% YoY-0.4% QoQ
|
+$4K |
$14,627
-2.7% YoY
|
$22,950
+4.4% YoY
|
$19,418
+1.3% YoY
|
Top 24.5% in tier |
| CD Concentration |
16.2%
+72.9% YoY+10.7% QoQ
|
-8.2% |
24.4%
+4.2% YoY
|
21.1%
+6.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
8.1%
-7.1% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
163
Loan Growth Rate
growth
Value:
14.73%
Peer Avg: 59.01%
#163 of 2596
Top 6.2% in <100M tier
163
AMR Growth Rate
growth
Value:
12.65%
Peer Avg: 4.67%
#163 of 2596
Top 6.2% in <100M tier
234
Deposit Growth Rate
growth
Value:
9.89%
Peer Avg: 16.80%
#234 of 2596
Top 9.0% in <100M tier
372
Fee Income Per Member
profitability
Value:
$151.86
Peer Avg: $182.96
#372 of 2596
Top 14.3% in <100M tier
476
Loan-to-Member Ratio (LMR)
engagement
Value:
$7,911
Peer Avg: $5,488
#476 of 2596
Top 18.3% in <100M tier
508
Asset Growth Rate
growth
Value:
6.17%
Peer Avg: 1.82%
#508 of 2596
Top 19.5% in <100M tier
636
Average Member Relationship (AMR)
engagement
Value:
$19,043
Peer Avg: $14,627
#636 of 2596
Top 24.5% in <100M tier
Top Weaknesses (4 metrics)
2420
First Mortgage Concentration (%)
balance_sheet
Value:
52.26%
Peer Avg: 14.49%
#2420 of 2596
Bottom 6.8% in <100M tier
2087
Return on Assets (ROA)
profitability
Value:
0.10%
Peer Avg: 0.68%
#2087 of 2596
Bottom 19.6% in <100M tier
2078
Members Per Employee (MPE)
engagement
Value:
224.400
Peer Avg: 365.701
#2078 of 2596
Bottom 20.0% in <100M tier
1978
Efficiency Ratio
profitability
Value:
89.80%
Peer Avg: 81.39%
#1978 of 2596
Bottom 23.8% in <100M tier