BlastPoint's Credit Union Scorecard

LAFCU

Charter #68632 · MI

Mid-Market 1B-3B

302 CUs in 1B-3B nationally 19 in MI

View Mid-Market leaderboard →

LAFCU has 2 strengths but faces 10 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 1.07% above tier average
+ Net Worth Ratio: Top 1.3% in tier

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 0.0% in tier
- Liquidity Overhang: Bottom 25.0% in tier
- Indirect Auto Dependency: Bottom 36.9% in tier
- Stagnation Risk: Bottom 52.4% in tier
- Membership Headwinds: Bottom 72.6% in tier
- ROA 0.12% below tier average
- Delinquency rate 0.45% above tier average
- Net Charge-Off Rate: Bottom 3.0% in tier
- Total Deposits: Bottom 7.3% in tier
- Indirect Auto Concentration (%): Bottom 7.6% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	73,484 -1.4% YoY-0.1% QoQ	-23.9K	97,431 -2.4% YoY	35,710 +6.8% YoY	33,374 +5.7% YoY	32%
Assets	$1.1B +0.9% YoY-0.1% QoQ	$-584.3M	$1.7B +0.9% YoY	$674.6M +13.3% YoY	$561.6M +9.7% YoY	15%
Loans	$792.0M +1.3% YoY+0.7% QoQ	$-442.4M	$1.2B +0.5% YoY	$472.4M +13.5% YoY	$397.0M +8.8% YoY	16%
Deposits	$907.7M +0.2% YoY+0.1% QoQ	$-551.6M	$1.5B +0.9% YoY	$573.0M +13.1% YoY	$477.3M +9.7% YoY	Bottom 7.0% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

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	0.6% -94.1% YoY-31.1% QoQ	-0.1%	0.7% +20.9% YoY	0.9% -8.5% YoY	0.7% +15.9% YoY	40%
NIM	4.3% +13.7% YoY+1.7% QoQ	+1.1%	3.3% +9.2% YoY	3.8% +7.8% YoY	3.8% +5.1% YoY	Top 5.0% in tier
Efficiency Ratio	71.5% +165.5% YoY+1.6% QoQ	-2.5%	74.1% -9.5% YoY	75.4% -1.6% YoY	79.7% -3.3% YoY	37%
Delinquency Rate	1.3% -20.2% YoY+3.8% QoQ	+0.5	0.9% +6.2% YoY	0.9% -8.5% YoY	1.3% -2.1% YoY	84%
Loan To Share	87.3% +1.1% YoY+0.7% QoQ	+2.5%	84.8% -0.8% YoY	67.1% -0.1% YoY	67.4% -1.7% YoY	51%
AMR	$23,131 +2.2% YoY+0.5% QoQ	$-6K	$29,428 +2.4% YoY	$22,475 +5.7% YoY	$19,687 +2.0% YoY	20%
CD Concentration	30.2% -6.7% YoY-4.4% QoQ	+1.2%	29.0%	18.6%	19.8%	56%
Indirect Auto %	43.4% -12.2% YoY-4.2% QoQ	+25.1%	18.3%	11.8%	7.8%	Top 7.7% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Cost Spiral

risk

#1 of 9 • Bottom 0.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 44.59% points

(Tier: -6.71% points, National: -1.81% points)

worse than tier avg

Efficiency Ratio (Prior Year): 24.53%

(Tier: 51.94%, National: 63.66%)

but better than tier avg

9 of 378 Mid-Market CUs have this signature | 58 nationally

↓ Shrinking -6 CUs YoY | New qualifier

Liquidity Overhang

risk

#5 of 17 • Bottom 25.0% in tier

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

Why This Signature

Net Worth Ratio: 20.27%

(Tier: 11.27%, National: 14.49%)

but better than tier avg

Loan-to-Share Ratio: 87.25%

(Tier: 85.73%, National: 67.44%)

but better than tier avg

17 of 378 Mid-Market CUs have this signature | 155 nationally

→ Stable (16→17 CUs) +1 CUs YoY

Indirect Auto Dependency

risk

#73 of 196 • Bottom 36.9% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 0.88%

(Tier: 6.83%, National: 3.54%)

worse than tier avg

Indirect Auto %: 43.37%

(Tier: 18.31%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -1.42%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

196 of 378 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -11 CUs YoY | Rank worsening

Stagnation Risk

risk

#45 of 85 • Bottom 52.4% 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): -1.42%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 1.32%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

Delinquency Rate: 1.35%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

85 of 378 Mid-Market CUs have this signature | 652 nationally

→ No prior data (85 CUs now) | New qualifier

Membership Headwinds

decline

#62 of 85 • Bottom 72.6% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.42%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

85 of 378 Mid-Market CUs have this signature | 652 nationally

→ No prior data (85 CUs now) | 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 302 peers in tier

Top Strengths (3 metrics)

Net Worth Ratio

risk

Value: 20.27%

Peer Median: -

#5 of 302 Top 1.3% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 4.35%

Peer Median: -

#15 of 302 Top 4.6% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 21.37%

Peer Median: -

#60 of 302 Top 19.5% in 1B-3B tier

Top Weaknesses (11 metrics)

294

Net Charge-Off Rate

risk

Value: 1.57%

Peer Median: -

#294 of 302 Bottom 3.0% in 1B-3B tier

281

Total Deposits

balance_sheet

Value: $907.73M

Peer Median: -

#281 of 302 Bottom 7.3% in 1B-3B tier

280

Indirect Auto Concentration (%)

balance_sheet

Value: 43.37%

Peer Median: -

#280 of 302 Bottom 7.6% in 1B-3B tier

259

Deposit Growth Rate

growth

Value: 0.20%

Peer Median: -

#259 of 302 Bottom 14.6% in 1B-3B tier

256

Total Assets

balance_sheet

Value: $1.14B

Peer Median: -

#256 of 302 Bottom 15.6% in 1B-3B tier

255

Total Delinquency Rate (60+ days)

risk

Value: 1.35%

Peer Median: -

#255 of 302 Bottom 15.9% in 1B-3B tier

255

Total Loans

balance_sheet

Value: $792.00M

Peer Median: -

#255 of 302 Bottom 15.9% in 1B-3B tier

251

Asset Growth Rate

growth

Value: 0.88%

Peer Median: -

#251 of 302 Bottom 17.2% in 1B-3B tier

245

Member Growth Rate

growth

Value: -1.42%

Peer Median: -

#245 of 302 Bottom 19.2% in 1B-3B tier

243

Average Member Relationship (AMR)

engagement

Value: $23,131

Peer Median: -

#243 of 302 Bottom 19.9% in 1B-3B tier