BlastPoint's Credit Union Scorecard
LUSO-AMERICAN
Charter #67890 · MA
LUSO-AMERICAN has 8 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 16.2% in tier
- + Organic Growth Leader: Top 20.5% in tier
- + Credit Quality Leader: Top 41.6% in tier
- + Emerging Performer: Top 86.3% in tier
- + ROA 0.09% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 5.3% in tier
- + Members Per Employee (MPE): Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 14.9% in tier
- - Credit Quality Pressure: Bottom 15.3% in tier
- - Cost Spiral: Bottom 18.9% in tier
- - Margin Compression: Bottom 27.0% in tier
- - Fee Income Per Member: Bottom 1.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,228
+1.9% YoY+0.6% QoQ
|
-6.4K |
15,628
-3.4% YoY
|
27,447
+2.6% YoY
|
33,089
+6.1% YoY
|
24% |
| Assets |
$124.4M
+2.5% YoY-0.7% QoQ
|
$-106.9M |
$231.3M
-0.0% YoY
|
$440.2M
+4.2% YoY
|
$547.7M
+7.8% YoY
|
16% |
| Loans |
$78.5M
-3.0% YoY+0.0% QoQ
|
$-69.3M |
$147.8M
-1.4% YoY
|
$341.2M
+2.4% YoY
|
$388.7M
+8.6% YoY
|
21% |
| Deposits |
$104.3M
+1.9% YoY-1.0% QoQ
|
$-95.9M |
$200.3M
-0.0% YoY
|
$366.8M
+5.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 13.6% in tier |
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| ROA |
0.9%
-19.2% YoY-0.3% QoQ
|
+0.1% |
0.8%
+15.5% YoY
|
0.7%
+17.3% YoY
|
0.7%
+273.4% YoY
|
58% |
| NIM |
3.5%
-9.0% YoY+1.8% QoQ
|
-0.1% |
3.6%
+6.9% YoY
|
3.3%
+3.8% YoY
|
3.7%
+5.0% YoY
|
44% |
| Efficiency Ratio |
76.1%
+10.0% YoY+1.0% QoQ
|
-1.2% |
77.3%
-3.0% YoY
|
80.4%
-4.7% YoY
|
79.1%
-3.3% YoY
|
46% |
| Delinquency Rate |
0.2%
+837.7% YoY+14.6% QoQ
|
-0.7 |
0.9%
+7.6% YoY
|
0.9%
-6.0% YoY
|
1.2%
-0.9% YoY
|
Bottom 11.4% in tier |
| Loan To Share |
75.2%
-4.7% YoY+1.0% QoQ
|
+2.5% |
72.7%
-1.5% YoY
|
74.2%
-1.7% YoY
|
68.0%
-1.7% YoY
|
52% |
| AMR |
$19,810
-2.1% YoY-1.1% QoQ
|
$-5K |
$24,363
+2.9% YoY
|
$24,707
+3.7% YoY
|
$19,418
+1.3% YoY
|
33% |
| CD Concentration |
28.0%
+3.2% YoY+0.1% QoQ
|
+3.6% |
24.4%
+4.2% YoY
|
24.8%
+8.8% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.6%
-15.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (4)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)