BlastPoint's Credit Union Scorecard

LESCO

Charter #6785 · PA

1077 CUs in 100M-500M nationally 61 in PA

LESCO has 13 strengths but faces 7 concerns

National Analysis

How does the industry compare?

PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 13.8% in tier
+ Wallet Share Momentum: Top 19.2% in tier
+ Organic Growth Leader: Top 25.8% in tier
+ Profitability Leader: Top 56.9% in tier
+ Emerging Performer: Top 72.6% in tier
+ ROA 0.58% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Deposit Growth Rate: Top 3.1% in tier
+ Asset Growth Rate: Top 3.5% in tier
+ Members Per Employee (MPE): Top 4.3% in tier
+ Efficiency Ratio: Top 4.6% in tier
+ AMR Growth Rate: Top 6.9% in tier
+ First Mortgage Concentration (%): Top 9.2% in tier

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 3.3% in tier
- Margin Compression: Bottom 6.0% in tier
- Delinquency rate 0.71% above tier average
- Total Loans: Bottom 0.5% in tier
- Loan-to-Member Ratio (LMR): Bottom 0.6% in tier
- Loan-to-Share Ratio: Bottom 0.7% in tier
- Net Interest Margin (NIM): Bottom 6.8% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	7,910 +1.2% YoY-0.4% QoQ	-7.7K	15,628 -3.4% YoY	17,552 +5.9% YoY	33,089 +6.1% YoY	15%
Assets	$123.5M +14.9% YoY+1.0% QoQ	$-107.8M	$231.3M -0.0% YoY	$283.8M +10.6% YoY	$547.7M +7.8% YoY	16%
Loans	$24.5M -2.2% YoY-0.3% QoQ	$-123.3M	$147.8M -1.4% YoY	$193.1M +8.6% YoY	$388.7M +8.6% YoY	Bottom 0.4% in tier
Deposits	$104.2M +16.7% YoY+0.8% QoQ	$-96.1M	$200.3M -0.0% YoY	$243.3M +10.9% YoY	$464.6M +9.3% YoY	Bottom 13.5% in tier

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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% -31.8% YoY-5.0% QoQ	+0.6%	0.8% +15.5% YoY	0.8% +22.9% YoY	0.7% +273.4% YoY	85%
NIM	2.5% -17.4% YoY-0.6% QoQ	-1.1%	3.6% +6.9% YoY	3.5% +4.5% YoY	3.7% +5.0% YoY	Bottom 6.7% in tier
Efficiency Ratio	55.2% +21.7% YoY+0.6% QoQ	-22.0%	77.3% -3.0% YoY	76.2% -1.5% YoY	79.1% -3.3% YoY	Bottom 4.6% in tier
Delinquency Rate	1.6% -5.2% YoY-3.6% QoQ	+0.7	0.9% +7.6% YoY	1.3% -8.2% YoY	1.2% -0.9% YoY	Top 13.1% in tier
Loan To Share	23.5% -16.2% YoY-1.1% QoQ	-49.2%	72.7% -1.5% YoY	55.4% -2.3% YoY	68.0% -1.7% YoY	Bottom 0.6% in tier
AMR	$16,264 +11.2% YoY+1.0% QoQ	$-8K	$24,363 +2.9% YoY	$16,339 +4.2% YoY	$19,418 +1.3% YoY	Bottom 14.7% in tier
CD Concentration	21.7% +46.2% YoY+1.5% QoQ	-2.7%	24.4% +4.2% YoY	15.5% +9.2% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	8.0% +2.0% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (5)

Organic Growth Engine

growth

#254 of 603 • Top 13.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.24%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.37%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Wallet Share Momentum

growth

#93 of 481 • Top 19.2% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 11.19%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | Rank improving

Organic Growth Leader

growth

#341 of 430 • Top 25.8% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.24%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | New qualifier

Profitability Leader

growth

#194 of 340 • Top 56.9% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.37%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): -0.64% points

(Tier: 0.11% points, National: 0.05% points)

but worse than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Emerging Performer

growth

#139 of 191 • Top 72.6% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.37%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Member Growth (YoY): 1.24%

(Tier: 0.88%, National: 9.37%)

better than tier avg

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | New qualifier

Concerns (2)

Cost Spiral

risk

#9 of 62 • Bottom 3.3% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 9.84% points

(Tier: -2.84% points, National: -1.81% points)

worse than tier avg

Efficiency Ratio (Prior Year): 30.38%

(Tier: 59.95%, National: 63.68%)

but better than tier avg

62 of 1077 Community CUs have this signature | 80 nationally

↓ Shrinking -38 CUs YoY | New qualifier

Margin Compression

decline

#26 of 136 • Bottom 6.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.37%

(Tier: 0.77%, National: 0.71%)

but better than tier avg

ROA (Prior Year): 2.00%

(Tier: 0.66%, National: 0.67%)

but better than tier avg

ROA Change (YoY): -0.64% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

136 of 1077 Community CUs have this signature | 169 nationally

↓ Shrinking -43 CUs YoY | New qualifier

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 1077 peers in tier

Top Strengths (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Deposit Growth Rate

growth

Value: 16.69%

Peer Avg: -

#34 of 1077 Top 3.1% in 100M-500M tier

Asset Growth Rate

growth

Value: 14.89%

Peer Avg: -

#39 of 1077 Top 3.5% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 527.333

Peer Avg: -

#47 of 1077 Top 4.3% in 100M-500M tier

Efficiency Ratio

profitability

Value: 55.23%

Peer Avg: -

#51 of 1077 Top 4.6% in 100M-500M tier

AMR Growth Rate

growth

Value: 11.19%

Peer Avg: -

#75 of 1077 Top 6.9% in 100M-500M tier

100

First Mortgage Concentration (%)

balance_sheet

Value: 7.10%

Peer Avg: -

#100 of 1077 Top 9.2% in 100M-500M tier

140

Net Worth Ratio

risk

Value: 15.59%

Peer Avg: -

#140 of 1077 Top 12.9% in 100M-500M tier

165

Return on Assets (ROA)

profitability

Value: 1.37%

Peer Avg: -

#165 of 1077 Top 15.2% in 100M-500M tier

Top Weaknesses (11 metrics)

1073

Total Loans

balance_sheet

Value: $24.47M

Peer Avg: -

#1073 of 1077 Bottom 0.5% in 100M-500M tier

1072

Loan-to-Member Ratio (LMR)

engagement

Value: $3,094

Peer Avg: -

#1072 of 1077 Bottom 0.6% in 100M-500M tier

1070

Loan-to-Share Ratio

balance_sheet

Value: 23.49%

Peer Avg: -

#1070 of 1077 Bottom 0.7% in 100M-500M tier

1005

Net Interest Margin (NIM)

profitability

Value: 2.53%

Peer Avg: -

#1005 of 1077 Bottom 6.8% in 100M-500M tier

939

Fee Income Per Member

profitability

Value: $94.26

Peer Avg: -

#939 of 1077 Bottom 12.9% in 100M-500M tier

937

Total Delinquency Rate (60+ days)

risk

Value: 1.57%

Peer Avg: -

#937 of 1077 Bottom 13.1% in 100M-500M tier

932

Total Deposits

balance_sheet

Value: $104.17M

Peer Avg: -

#932 of 1077 Bottom 13.6% in 100M-500M tier

919

Average Member Relationship (AMR)

engagement

Value: $16,264

Peer Avg: -

#919 of 1077 Bottom 14.8% in 100M-500M tier

912

Total Members

engagement

Value: 7,910

Peer Avg: -

#912 of 1077 Bottom 15.4% in 100M-500M tier

910

Total Assets

balance_sheet

Value: $123.52M

Peer Avg: -

#910 of 1077 Bottom 15.6% in 100M-500M tier