BlastPoint's Credit Union Scorecard

LESCO

Charter #6785 · PA

100M-500M

1024 CUs in 100M-500M nationally 62 in PA

LESCO has 8 strengths but faces 8 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

+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.44% above tier average
+ Efficiency Ratio: Top 2.6% in tier
+ Members Per Employee (MPE): Top 4.3% in tier
+ Net Charge-Off Rate: Top 5.3% in tier
+ Deposit Growth Rate: Top 6.3% in tier
+ First Mortgage Concentration (%): Top 8.8% in tier
+ Asset Growth Rate: Top 9.1% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Delinquency rate 0.48% above tier average
- Total Loans: Bottom 0.5% in tier
- Loan-to-Share Ratio: Bottom 0.5% in tier
- Loan-to-Member Ratio (LMR): Bottom 0.6% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 62 that size in Pennsylvania.
Shares and deposits +10.9% year over year ($115M in shares and deposits).
Membership: 7,824 members, -1.4% vs a year ago.
Delinquency rate 1.36%.
Return on assets 1.30%.
Efficiency ratio 51.79% vs a 76.73% peer average.
Loan-to-share ratio 20.20% vs a 71.54% 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 (PA)	National Avg	Tier Percentile
Members	7,824 -1.4% YoY+0.0% QoQ	-7.3K	15,168 -2.6% YoY	18,280 +5.8% YoY	34,678 +6.6% YoY	17%
Assets	$134.7M +10.2% YoY+1.9% QoQ	$-97.3M	$232.0M +0.7% YoY	$308.6M +9.9% YoY	$593.1M +10.2% YoY	22%
Loans	$23.2M -5.7% YoY-1.9% QoQ	$-123.1M	$146.3M +0.2% YoY	$207.1M +9.1% YoY	$418.6M +10.1% YoY	Bottom 0.4% in tier
Deposits	$114.6M +10.9% YoY+1.8% QoQ	$-86.1M	$200.7M +0.2% YoY	$264.2M +9.3% YoY	$504.8M +10.3% YoY	21%

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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	1.3% -9.4% YoY+6.0% QoQ	+0.4%	0.9% +12.5% YoY	1.0% +23.3% YoY	1.2% +121.4% YoY	81%
NIM	2.2% -13.2% YoY-1.9% QoQ	-1.5%	3.7% +4.5% YoY	3.5% +2.1% YoY	3.8% +2.3% YoY	Bottom 1.6% in tier
Efficiency Ratio	51.8% -5.7% YoY-3.3% QoQ	-24.9%	76.7% -0.8% YoY	76.6% -2.6% YoY	83.0% -5.3% YoY	Top 2.6% in tier
Delinquency Rate	1.4% -16.3% YoY-3.9% QoQ	+0.5	0.9% +6.6% YoY	1.2% -8.4% YoY	1.3% +2.6% YoY	82%
Loan To Share	20.2% -15.0% YoY-3.7% QoQ	-51.3%	71.5% -0.3% YoY	53.4% -2.0% YoY	66.4% -1.4% YoY	Bottom 0.4% in tier
AMR	$17,610 +9.3% YoY+1.1% QoQ	$-7K	$25,107 +3.2% YoY	$16,967 +3.7% YoY	$20,028 -0.9% YoY	19%
CD Concentration	21.1% -1.5% YoY-0.9% QoQ	-3.5%	24.6%	15.6%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	8.4%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#145 of 483 • 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): 9.32%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | Rank worsening

Concerns (4)

Stagnation Risk

risk

#150 of 549 • 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): -1.45%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -5.71%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 1.36%

(Tier: 0.87%, National: 1.26%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Membership Headwinds

decline

#400 of 549 • 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): -1.45%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Institutional Decline

decline

#180 of 230 • 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: $134.71M

(Tier: $336.17M, National: $593.11M)

worse than tier avg

Member Growth (YoY): -1.45%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -5.71%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY | New qualifier

Margin Compression

decline

#115 of 140 • 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: 1.30%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

ROA (Prior Year): 1.44%

(Tier: 0.75%, National: 0.66%)

but better than tier avg

ROA Change (YoY): -0.14% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

140 of 1024 Mid-Small & Community CUs have this signature | 167 nationally

→ Stable (143→140 CUs) -3 CUs YoY | Rank worsening

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 1024 peers in tier

Top Strengths (10 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Efficiency Ratio

profitability

Value: 51.79%

Peer Median: 77.26%

#28 of 1024 Top 2.6% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 521.600

Peer Median: 310.924

#45 of 1024 Top 4.3% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.02%

Peer Median: 0.34%

#55 of 1024 Top 5.3% in 100M-500M tier

Deposit Growth Rate

growth

Value: 10.93%

Peer Median: 3.58%

#66 of 1024 Top 6.3% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 7.84%

Peer Median: 29.92%

#91 of 1024 Top 8.8% in 100M-500M tier

Asset Growth Rate

growth

Value: 10.17%

Peer Median: 4.12%

#94 of 1024 Top 9.1% in 100M-500M tier

115

AMR Growth Rate

growth

Value: 9.32%

Peer Median: 3.53%

#115 of 1024 Top 11.1% in 100M-500M tier

184

Net Worth Ratio

risk

Value: 14.86%

Peer Median: 11.71%

#184 of 1024 Top 17.9% in 100M-500M tier

196

Return on Assets (ROA)

profitability

Value: 1.30%

Peer Median: 0.75%

#196 of 1024 Top 19.0% in 100M-500M tier

Top Weaknesses (11 metrics)

1020

Total Loans

balance_sheet

Value: $23.15M

Peer Median: $124.04M

#1020 of 1024 Bottom 0.5% in 100M-500M tier

1020

Loan-to-Share Ratio

balance_sheet

Value: 20.20%

Peer Median: 73.07%

#1020 of 1024 Bottom 0.5% in 100M-500M tier

1019

Loan-to-Member Ratio (LMR)

engagement

Value: $2,959

Peer Median: $9,434

#1019 of 1024 Bottom 0.6% in 100M-500M tier

1008

Net Interest Margin (NIM)

profitability

Value: 2.21%

Peer Median: 3.67%

#1008 of 1024 Bottom 1.7% in 100M-500M tier

938

Loan Growth Rate

growth

Value: -5.71%

Peer Median: 3.02%

#938 of 1024 Bottom 8.5% in 100M-500M tier

893

Fee Income Per Member

profitability

Value: $94.71

Peer Median: $159.88

#893 of 1024 Bottom 12.9% in 100M-500M tier

850

Total Members

engagement

Value: 7,824

Peer Median: 13,128

#850 of 1024 Bottom 17.1% in 100M-500M tier

843

Total Delinquency Rate (60+ days)

risk

Value: 1.36%

Peer Median: 0.71%

#843 of 1024 Bottom 17.8% in 100M-500M tier

832

Average Member Relationship (AMR)

engagement

Value: $17,610

Peer Median: $23,006

#832 of 1024 Bottom 18.8% in 100M-500M tier

808

Total Deposits

balance_sheet

Value: $114.63M

Peer Median: $170.77M

#808 of 1024 Bottom 21.2% in 100M-500M tier