BlastPoint's Credit Union Scorecard

LUSO-AMERICAN

Charter #67890 · MA

100M-500M

1024 CUs in 100M-500M nationally 32 in MA

LUSO-AMERICAN has 2 strengths but faces 8 concerns

National Analysis

How does the industry compare?

MA Analysis

How does MA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Deposit Outflow: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- ROA 0.40% below tier average
- Efficiency ratio 10.48% above tier (higher cost structure)
- Fee Income Per Member: Bottom 1.4% 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 32 that size in Massachusetts.
Shares and deposits -2.8% year over year ($102M in shares and deposits).
Membership: 9,368 members, +2.1% vs a year ago.
Delinquency rate 0.22%.
Return on assets 0.47%.
Efficiency ratio 87.21% vs a 76.73% peer average.
Loan-to-share ratio 71.74% 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 (MA)	National Avg	Tier Percentile
Members	9,368 +2.1% YoY+0.5% QoQ	-5.8K	15,168 -2.6% YoY	18,780 +3.1% YoY	34,678 +6.6% YoY	28%
Assets	$123.0M -1.8% YoY+0.1% QoQ	$-109.0M	$232.0M +0.7% YoY	$364.5M +6.9% YoY	$593.1M +10.2% YoY	Bottom 14.6% in tier
Loans	$73.5M -6.3% YoY-3.3% QoQ	$-72.8M	$146.3M +0.2% YoY	$274.7M +7.2% YoY	$418.6M +10.1% YoY	19%
Deposits	$102.4M -2.8% YoY+0.0% QoQ	$-98.3M	$200.7M +0.2% YoY	$301.2M +8.1% YoY	$504.8M +10.3% YoY	Bottom 12.5% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.5% -46.7% YoY+33.8% QoQ	-0.4%	0.9% +12.5% YoY	0.7% +12.3% YoY	1.2% +121.4% YoY	25%
NIM	3.4% -0.3% YoY+1.8% QoQ	-0.3%	3.7% +4.5% YoY	3.3% +1.4% YoY	3.8% +2.3% YoY	34%
Efficiency Ratio	87.2% +15.8% YoY-3.4% QoQ	+10.5%	76.7% -0.8% YoY	80.1% -1.4% YoY	83.0% -5.3% YoY	82%
Delinquency Rate	0.2% +24.6% YoY-40.2% QoQ	-0.7	0.9% +6.6% YoY	0.8% -7.5% YoY	1.3% +2.6% YoY	Top 12.5% in tier
Loan To Share	71.7% -3.6% YoY-3.3% QoQ	+0.2%	71.5% -0.3% YoY	71.9% -1.9% YoY	66.4% -1.4% YoY	48%
AMR	$18,780 -6.3% YoY-1.8% QoQ	$-6K	$25,107 +3.2% YoY	$25,615 +4.4% YoY	$20,028 -0.9% YoY	25%
CD Concentration	26.2% -6.4% YoY-4.5% QoQ	+1.6%	24.6%	25.4%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	2.4%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#201 of 342 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.11%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | Rank improving

Organic Growth Engine

growth

#271 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.11%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 0.47%

(Tier: 0.85%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY

Concerns (5)

Shrinking Wallet Share

decline

#37 of 223 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -6.29%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | Rank improving

Efficiency Drag

risk

#277 of 531 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 87.21%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.41% points

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

worse than tier avg

Member Growth (YoY): 2.11%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | New qualifier

Deposit Outflow

decline

#65 of 84 • Bottom 50.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -2.79%

(Tier: 4.24%, National: 100.69%)

worse than tier avg

Member Growth (YoY): 2.11%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

84 of 1024 Mid-Small & Community CUs have this signature | 109 nationally

↓ Shrinking -9 CUs YoY | New qualifier

Credit Quality Pressure

risk

#596 of 693 • 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): 0.04% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | Rank worsening

Liquidity Overhang

risk

#112 of 130 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 16.21%

(Tier: 12.53%, National: 14.66%)

but better than tier avg

Loan-to-Share Ratio: 71.74%

(Tier: 73.56%, National: 66.39%)

worse than tier avg

130 of 1024 Mid-Small & Community CUs have this signature | 148 nationally

↑ Growing +7 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 1024 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

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

104

Net Charge-Off Rate

risk

Value: 0.05%

Peer Median: 0.34%

#104 of 1024 Top 10.1% in 100M-500M tier

117

Net Worth Ratio

risk

Value: 16.21%

Peer Median: 11.71%

#117 of 1024 Top 11.3% in 100M-500M tier

129

Total Delinquency Rate (60+ days)

risk

Value: 0.22%

Peer Median: 0.71%

#129 of 1024 Top 12.5% in 100M-500M tier

151

Members Per Employee (MPE)

engagement

Value: 425.818

Peer Median: 310.924

#151 of 1024 Top 14.6% in 100M-500M tier

Top Weaknesses (11 metrics)

1011

Fee Income Per Member

profitability

Value: $29.88

Peer Median: $159.88

#1011 of 1024 Bottom 1.4% in 100M-500M tier

993

AMR Growth Rate

growth

Value: -6.29%

Peer Median: 3.53%

#993 of 1024 Bottom 3.1% in 100M-500M tier

957

Loan Growth Rate

growth

Value: -6.33%

Peer Median: 3.02%

#957 of 1024 Bottom 6.6% in 100M-500M tier

945

Deposit Growth Rate

growth

Value: -2.79%

Peer Median: 3.58%

#945 of 1024 Bottom 7.8% in 100M-500M tier

933

Asset Growth Rate

growth

Value: -1.81%

Peer Median: 4.12%

#933 of 1024 Bottom 9.0% in 100M-500M tier

896

Total Deposits

balance_sheet

Value: $102.44M

Peer Median: $170.77M

#896 of 1024 Bottom 12.6% in 100M-500M tier

874

Total Assets

balance_sheet

Value: $123.02M

Peer Median: $196.38M

#874 of 1024 Bottom 14.7% in 100M-500M tier

843

Efficiency Ratio

profitability

Value: 87.21%

Peer Median: 77.26%

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

827

Total Loans

balance_sheet

Value: $73.49M

Peer Median: $124.04M

#827 of 1024 Bottom 19.3% in 100M-500M tier

783

First Mortgage Concentration (%)

balance_sheet

Value: 42.21%

Peer Median: 29.92%

#783 of 1024 Bottom 23.6% in 100M-500M tier