BlastPoint's Credit Union Scorecard

LAKESIDE

Charter #67713 · TN

<100M

2556 CUs in <100M nationally 87 in TN

LAKESIDE has 2 strengths but faces 1 concern

National Analysis

How does the industry compare?

TN Analysis

How does TN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.77% above tier average
+ Net Interest Margin 0.66% above tier average

Key Concerns

Areas that may need attention

- Indirect Auto Concentration (%): Bottom 3.3% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Members	2,640 +2.8% YoY+0.8% QoQ	+24	2,615 -1.9% YoY	21,265 +4.5% YoY	33,374 +5.7% YoY	62%
Assets	$42.3M +2.7% YoY+0.3% QoQ	+$12.2M	$30.1M +2.1% YoY	$372.5M +10.3% YoY	$561.6M +9.7% YoY	72%
Loans	$22.4M -0.2% YoY+0.0% QoQ	+$6.7M	$15.8M -1.3% YoY	$275.7M +8.6% YoY	$397.0M +8.8% YoY	74%
Deposits	$35.0M +0.9% YoY+0.4% QoQ	+$9.3M	$25.7M +1.4% YoY	$312.1M +9.5% YoY	$477.3M +9.7% YoY	70%

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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	1.4% -5.4% YoY+2.0% QoQ	+0.8%	0.6% +10.8% YoY	0.7% -5.8% YoY	0.7% +15.9% YoY	81%
NIM	4.6% +8.1% YoY+2.4% QoQ	+0.7%	4.0% +4.0% YoY	3.8% +3.7% YoY	3.8% +5.1% YoY	77%
Efficiency Ratio	60.3% -2.1% YoY+2.2% QoQ	-22.3%	82.6% -2.3% YoY	79.4% +2.9% YoY	79.7% -3.3% YoY	Top 11.9% in tier
Delinquency Rate	0.9% +26.1% YoY+37.2% QoQ	-0.6	1.6% -3.1% YoY	1.1% -12.6% YoY	1.3% -2.1% YoY	57%
Loan To Share	64.1% -1.1% YoY-0.3% QoQ	+3.4%	60.6% -3.1% YoY	70.0% -2.2% YoY	67.4% -1.7% YoY	55%
AMR	$21,763 -2.2% YoY-0.5% QoQ	+$7K	$14,783 -1.4% YoY	$18,770 +3.9% YoY	$19,687 +2.0% YoY	84%
CD Concentration	15.8% +49.7% YoY+8.7% QoQ	-8.7%	24.4%	22.4%	19.8%	50%
Indirect Auto %	35.7% +7.1% YoY+1.7% QoQ	+21.9%	13.8%	6.7%	7.8%	50%

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)

Compare against:

Comparing against 2556 peers in tier

Top Strengths (6 metrics)

297

Member Growth Rate

growth

Value: 2.76%

Peer Median: -

#297 of 2556 Top 11.6% in <100M tier

305

Efficiency Ratio

profitability

Value: 60.26%

Peer Median: -

#305 of 2556 Top 11.9% in <100M tier

387

Loan-to-Member Ratio (LMR)

engagement

Value: $8,497

Peer Median: -

#387 of 2556 Top 15.1% in <100M tier

397

Average Member Relationship (AMR)

engagement

Value: $21,763

Peer Median: -

#397 of 2556 Top 15.5% in <100M tier

483

Return on Assets (ROA)

profitability

Value: 1.39%

Peer Median: -

#483 of 2556 Top 18.9% in <100M tier

598

Net Interest Margin (NIM)

profitability

Value: 4.61%

Peer Median: -

#598 of 2556 Top 23.4% in <100M tier

Top Weaknesses (3 metrics)

2472

Indirect Auto Concentration (%)

balance_sheet

Value: 35.74%

Peer Median: -

#2472 of 2556 Bottom 3.3% in <100M tier

2065

Members Per Employee (MPE)

engagement

Value: 220.000

Peer Median: -

#2065 of 2556 Bottom 19.2% in <100M tier

2011

Net Charge-Off Rate

risk

Value: 0.76%

Peer Median: -

#2011 of 2556 Bottom 21.4% in <100M tier