BlastPoint's Credit Union Scorecard
LUSO-AMERICAN
Charter #67890 · MA
LUSO-AMERICAN has 6 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 56.6% in tier
- + Organic Growth Leader: Top 63.1% in tier
- + Emerging Performer: Top 86.2% in tier
- + ROA 0.03% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 4.8% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 13.2% in tier
- - Shrinking Wallet Share: Bottom 33.3% in tier
- - Deposit Outflow: Bottom 86.8% in tier
- - Cost Spiral: Bottom 91.1% in tier
- - Margin Compression: Bottom 95.1% in tier
- - Efficiency ratio 1.43% above tier (higher cost structure)
- - Fee Income Per Member: Bottom 1.1% in tier
- - AMR Growth Rate: Bottom 5.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,270
+1.9% YoY+0.5% QoQ
|
-6.2K |
15,437
-2.9% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
25% |
| Assets |
$123.4M
-0.6% YoY-0.9% QoQ
|
$-108.5M |
$231.9M
+1.3% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
16% |
| Loans |
$77.7M
-2.9% YoY-1.0% QoQ
|
$-69.6M |
$147.3M
-0.1% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
21% |
| Deposits |
$103.3M
-1.5% YoY-1.0% QoQ
|
$-97.5M |
$200.8M
+0.8% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 12.8% in tier |
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| ROA |
0.8%
-17.2% YoY-9.7% QoQ
|
+0.0% |
0.8%
+18.2% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
53% |
| NIM |
3.5%
-6.5% YoY+0.6% QoQ
|
-0.1% |
3.6%
+6.7% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
45% |
| Efficiency Ratio |
78.4%
+8.7% YoY+3.1% QoQ
|
+1.4% |
77.0%
-3.1% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
54% |
| Delinquency Rate |
0.7%
+865.2% YoY+229.7% QoQ
|
-0.2 |
0.9%
+4.2% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
47% |
| Loan To Share |
75.2%
-1.4% YoY+0.0% QoQ
|
+3.0% |
72.2%
-1.1% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
53% |
| AMR |
$19,526
-4.0% YoY-1.4% QoQ
|
$-5K |
$24,676
+3.4% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
31% |
| CD Concentration |
27.8%
-4.2% YoY-0.5% QoQ
|
+3.4% | 24.4% | 25.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.4% | 7.8% | 50% |
Signature Analysis
Strengths (3)
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.
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 (5)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
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)