BlastPoint's Credit Union Scorecard
LESCO
Charter #6785 · PA
100M-500M
1070 CUs in 100M-500M nationally
62 in PA
LESCO has 8 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.50% above tier average
- + Net Charge-Off Rate: Top 2.2% in tier
- + Members Per Employee (MPE): Top 3.1% in tier
- + Efficiency Ratio: Top 3.6% in tier
- + Deposit Growth Rate: Top 6.4% in tier
- + AMR Growth Rate: Top 8.1% in tier
- + Asset Growth Rate: Top 8.7% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Delinquency rate 0.64% above tier average
- - Total Loans: Bottom 0.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 0.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,822
-1.5% YoY-0.3% QoQ
|
-7.3K |
15,145
-2.5% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
16% |
| Assets |
$132.2M
+10.5% YoY+4.0% QoQ
|
$-99.5M |
$231.7M
+0.8% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
21% |
| Loans |
$23.6M
-2.4% YoY-1.5% QoQ
|
$-120.5M |
$144.1M
+0.2% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 0.4% in tier |
| Deposits |
$112.6M
+11.3% YoY+4.5% QoQ
|
$-88.5M |
$201.1M
+0.4% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
19% |
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| ROA |
1.2%
-12.2% YoY+32.6% QoQ
|
+0.5% |
0.7%
+5.1% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
81% |
| NIM |
2.3%
-10.5% YoY+7.9% QoQ
|
-1.4% |
3.6%
+4.6% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
Bottom 2.1% in tier |
| Efficiency Ratio |
53.6%
-0.5% YoY-14.2% QoQ
|
-24.4% |
78.0%
-1.7% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
Top 3.6% in tier |
| Delinquency Rate |
1.4%
+9.0% YoY-12.8% QoQ
|
+0.6 |
0.8%
+7.1% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
Bottom 12.1% in tier |
| Loan To Share |
21.0%
-12.3% YoY-5.7% QoQ
|
-49.5% |
70.4%
-0.4% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
Bottom 0.6% in tier |
| AMR |
$17,412
+10.3% YoY+3.6% QoQ
|
$-8K |
$24,918
+2.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
18% |
| CD Concentration |
21.3%
+6.9% YoY-3.7% QoQ
|
-3.0% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.3% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growth
#109 of 491 • Top 50.0% in tier
Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Why This Signature
AMR Growth (YoY):
10.35%
(Tier:
3.74%, National:
6.36%)
491 of 1070 Mid-Small & Community CUs have this signature |
637 nationally
↑ Growing
+107 CUs YoY
|
Rank worsening
Concerns (5)
Stagnation Risk
risk
#200 of 570 • Bottom 50.0% in tier
Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Why This Signature
Member Growth (YoY):
-1.52%
(Tier:
0.72%, National:
10.19%)
Loan Growth (YoY):
-2.37%
(Tier:
4.14%, National:
1.74%)
Delinquency Rate:
1.42%
(Tier:
0.76%, National:
1.19%)
570 of 1070 Mid-Small & Community CUs have this signature |
676 nationally
→ No prior data (570 CUs now)
|
New qualifier
Credit Quality Pressure
risk
#464 of 727 • Bottom 50.0% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.12% points
(Tier:
0.03% points, National:
0.12% points)
727 of 1070 Mid-Small & Community CUs have this signature |
1013 nationally
↓ Shrinking
-60 CUs YoY
|
Rank worsening
Margin Compression
decline
#100 of 133 • Bottom 50.0% 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:
1.23%
(Tier:
0.72%, National:
0.39%)
ROA (Prior Year):
1.40%
(Tier:
0.67%, National:
0.75%)
ROA Change (YoY):
-0.17% points
(Tier:
0.05% points, National:
-0.45% points)
133 of 1070 Mid-Small & Community CUs have this signature |
162 nationally
→ No prior data (133 CUs now)
|
New qualifier
Membership Headwinds
decline
#429 of 570 • Bottom 50.0% in tier
Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Why This Signature
Member Growth (YoY):
-1.52%
(Tier:
0.72%, National:
10.19%)
570 of 1070 Mid-Small & Community CUs have this signature |
676 nationally
→ No prior data (570 CUs now)
|
New qualifier
Institutional Decline
decline
#234 of 250 • Bottom 50.0% in tier
Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Why This Signature
Total Assets:
$132.17M
(Tier: $334.04M, National: $578.34M)
Member Growth (YoY):
-1.52%
(Tier:
0.72%, National:
10.19%)
Loan Growth (YoY):
-2.37%
(Tier:
4.14%, National:
1.74%)
250 of 1070 Mid-Small & Community CUs have this signature |
289 nationally
→ No prior data (250 CUs now)
|
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)
Top Strengths (10 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 6.61%
#1 of 1070
Top 0.1% in 100M-500M tier
25
Net Charge-Off Rate
risk
Value:
-0.03%
Peer Median: 0.35%
#25 of 1070
Top 2.2% in 100M-500M tier
34
Members Per Employee (MPE)
engagement
Value:
558.714
Peer Median: 309.176
#34 of 1070
Top 3.1% in 100M-500M tier
40
Efficiency Ratio
profitability
Value:
53.58%
Peer Median: 78.68%
#40 of 1070
Top 3.6% in 100M-500M tier
69
Deposit Growth Rate
growth
Value:
11.31%
Peer Median: 3.30%
#69 of 1070
Top 6.4% in 100M-500M tier
88
AMR Growth Rate
growth
Value:
10.35%
Peer Median: 3.46%
#88 of 1070
Top 8.1% in 100M-500M tier
94
Asset Growth Rate
growth
Value:
10.50%
Peer Median: 3.91%
#94 of 1070
Top 8.7% in 100M-500M tier
95
First Mortgage Concentration (%)
balance_sheet
Value:
7.19%
Peer Median: 29.47%
#95 of 1070
Top 8.8% in 100M-500M tier
169
Net Worth Ratio
risk
Value:
14.80%
Peer Median: 11.45%
#169 of 1070
Top 15.7% in 100M-500M tier
208
Return on Assets (ROA)
profitability
Value:
1.23%
Peer Median: 0.69%
#208 of 1070
Top 19.3% in 100M-500M tier
Top Weaknesses (11 metrics)
1066
Total Loans
balance_sheet
Value:
$23.61M
Peer Median: $121.41M
#1066 of 1070
Bottom 0.5% in 100M-500M tier
1065
Loan-to-Member Ratio (LMR)
engagement
Value:
$3,018
Peer Median: $9,356
#1065 of 1070
Bottom 0.6% in 100M-500M tier
1064
Loan-to-Share Ratio
balance_sheet
Value:
20.97%
Peer Median: 71.88%
#1064 of 1070
Bottom 0.7% in 100M-500M tier
1047
Net Interest Margin (NIM)
profitability
Value:
2.26%
Peer Median: 3.62%
#1047 of 1070
Bottom 2.2% in 100M-500M tier
943
Fee Income Per Member
profitability
Value:
$84.18
Peer Median: $154.95
#943 of 1070
Bottom 12.0% in 100M-500M tier
941
Total Delinquency Rate (60+ days)
risk
Value:
1.42%
Peer Median: 0.61%
#941 of 1070
Bottom 12.1% in 100M-500M tier
892
Total Members
engagement
Value:
7,822
Peer Median: 13,200
#892 of 1070
Bottom 16.7% in 100M-500M tier
874
Average Member Relationship (AMR)
engagement
Value:
$17,412
Peer Median: $22,931
#874 of 1070
Bottom 18.4% in 100M-500M tier
862
Total Deposits
balance_sheet
Value:
$112.59M
Peer Median: $171.29M
#862 of 1070
Bottom 19.5% in 100M-500M tier
856
Loan Growth Rate
growth
Value:
-2.37%
Peer Median: 2.93%
#856 of 1070
Bottom 20.1% in 100M-500M tier