BlastPoint's Credit Union Scorecard

LUSO-AMERICAN

Charter #67890 · MA

100M-500M

1070 CUs in 100M-500M nationally 30 in MA

LUSO-AMERICAN has 4 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
+ Strong member growth: 6.0% YoY
+ Member Growth Rate: Top 7.4% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Deposit Outflow: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- ROA 0.38% below tier average
- Efficiency ratio 12.24% above tier (higher cost structure)
- Fee Income Per Member: Bottom 2.1% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	9,326 +6.0% YoY+0.6% QoQ	-5.8K	15,145 -2.5% YoY	33,485 +24.8% YoY	33,913 +5.7% YoY	27%
Assets	$122.8M -2.7% YoY-0.4% QoQ	$-108.9M	$231.7M +0.8% YoY	$590.7M +35.2% YoY	$578.3M +9.0% YoY	Bottom 14.8% in tier
Loans	$76.0M -4.3% YoY-2.2% QoQ	$-68.2M	$144.1M +0.2% YoY	$447.1M +33.6% YoY	$402.4M +8.7% YoY	21%
Deposits	$102.4M -3.9% YoY-0.9% QoQ	$-98.7M	$201.1M +0.4% YoY	$496.3M +36.0% YoY	$494.3M +9.1% YoY	Bottom 12.4% 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	0.3% -52.6% YoY-55.8% QoQ	-0.4%	0.7% +5.1% YoY	0.7% +27.7% YoY	0.4% -39.2% YoY	26%
NIM	3.4% -1.1% YoY-4.3% QoQ	-0.3%	3.6% +4.6% YoY	3.3% +3.6% YoY	3.8% +4.1% YoY	34%
Efficiency Ratio	90.3% +15.0% YoY+15.1% QoQ	+12.2%	78.0% -1.7% YoY	80.2% -4.6% YoY	84.6% +2.8% YoY	Bottom 14.6% in tier
Delinquency Rate	0.4% +385.8% YoY-44.8% QoQ	-0.4	0.8% +7.1% YoY	0.7% -9.8% YoY	1.2% +3.4% YoY	28%
Loan To Share	74.2% -0.4% YoY-1.4% QoQ	+3.7%	70.4% -0.4% YoY	71.5% -1.7% YoY	65.6% -1.4% YoY	54%
AMR	$19,126 -9.5% YoY-2.0% QoQ	$-6K	$24,918 +2.7% YoY	$25,479 +3.4% YoY	$19,920 +1.6% YoY	28%
CD Concentration	27.4% -4.1% YoY-1.6% QoQ	+3.1%	24.3%	25.2%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.3%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#54 of 371 • 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): 6.01%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#161 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 6.01%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.35%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Concerns (5)

Shrinking Wallet Share

decline

#24 of 238 • 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): -9.52%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | New qualifier

Credit Quality Pressure

risk

#240 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): 0.30% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Deposit Outflow

decline

#40 of 72 • 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): -3.93%

(Tier: 4.30%, National: 64.06%)

worse than tier avg

Member Growth (YoY): 6.01%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

72 of 1070 Mid-Small & Community CUs have this signature | 98 nationally

→ No prior data (72 CUs now) | New qualifier

Efficiency Drag

risk

#406 of 596 • 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: 90.26%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.39% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 6.01%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | New qualifier

Liquidity Overhang

risk

#114 of 126 • 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: 16.08%

(Tier: 11.91%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 74.17%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

126 of 1070 Mid-Small & Community CUs have this signature | 143 nationally

↑ Growing +19 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 1070 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Member Growth Rate

growth

Value: 6.01%

Peer Median: -0.06%

#80 of 1070 Top 7.4% in 100M-500M tier

114

Net Worth Ratio

risk

Value: 16.08%

Peer Median: 11.45%

#114 of 1070 Top 10.6% in 100M-500M tier

125

Members Per Employee (MPE)

engagement

Value: 444.095

Peer Median: 309.176

#125 of 1070 Top 11.6% in 100M-500M tier

154

Net Charge-Off Rate

risk

Value: 0.07%

Peer Median: 0.35%

#154 of 1070 Top 14.3% in 100M-500M tier

Top Weaknesses (10 metrics)

1049

Fee Income Per Member

profitability

Value: $28.82

Peer Median: $154.95

#1049 of 1070 Bottom 2.1% in 100M-500M tier

1048

AMR Growth Rate

growth

Value: -9.52%

Peer Median: 3.46%

#1048 of 1070 Bottom 2.1% in 100M-500M tier

1017

Deposit Growth Rate

growth

Value: -3.93%

Peer Median: 3.30%

#1017 of 1070 Bottom 5.0% in 100M-500M tier

997

Asset Growth Rate

growth

Value: -2.69%

Peer Median: 3.91%

#997 of 1070 Bottom 6.9% in 100M-500M tier

937

Total Deposits

balance_sheet

Value: $102.41M

Peer Median: $171.29M

#937 of 1070 Bottom 12.5% in 100M-500M tier

930

Loan Growth Rate

growth

Value: -4.27%

Peer Median: 2.93%

#930 of 1070 Bottom 13.2% in 100M-500M tier

915

Efficiency Ratio

profitability

Value: 90.26%

Peer Median: 78.68%

#915 of 1070 Bottom 14.6% in 100M-500M tier

912

Total Assets

balance_sheet

Value: $122.84M

Peer Median: $196.57M

#912 of 1070 Bottom 14.9% in 100M-500M tier

841

Total Loans

balance_sheet

Value: $75.96M

Peer Median: $121.41M

#841 of 1070 Bottom 21.5% in 100M-500M tier

809

First Mortgage Concentration (%)

balance_sheet

Value: 41.68%

Peer Median: 29.47%

#809 of 1070 Bottom 24.5% in 100M-500M tier