BlastPoint's Credit Union Scorecard
LAFCU
Charter #68632 · MI
LAFCU has 3 strengths but faces 11 concerns
How does the industry compare?
What's your peer group doing?
How does MI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.12% above tier average
- + Net Interest Margin 1.02% 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
- - Indirect Auto Dependency: Bottom 7.5% in tier
- - Margin Compression: Bottom 12.2% in tier
- - Stagnation Risk: Bottom 21.8% in tier
- - Liquidity Overhang: Bottom 25.0% in tier
- - Institutional Decline: Bottom 29.4% in tier
- - Membership Headwinds: Bottom 31.8% in tier
- - Delinquency rate 0.47% above tier average
- - Indirect Auto Concentration (%): Bottom 6.9% in tier
- - Net Charge-Off Rate: Bottom 8.6% in tier
- - Total Deposits: Bottom 8.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
73,562
-0.7% YoY+0.0% QoQ
|
-25.1K |
98,678
-1.9% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
31% |
| Assets |
$1.1B
+1.7% YoY-0.7% QoQ
|
$-579.5M |
$1.7B
+0.5% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
16% |
| Loans |
$786.3M
-0.9% YoY+1.0% QoQ
|
$-446.8M |
$1.2B
+0.5% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 14.5% in tier |
| Deposits |
$907.2M
+1.7% YoY-1.2% QoQ
|
$-547.1M |
$1.5B
+1.3% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 8.2% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.8%
-93.8% YoY-15.6% QoQ
|
+0.1% |
0.7%
+13.4% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
64% |
| NIM |
4.3%
+14.6% YoY+2.0% QoQ
|
+1.0% |
3.3%
+9.3% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
Top 5.9% in tier |
| Efficiency Ratio |
70.4%
+248.1% YoY-1.0% QoQ
|
-3.6% |
74.0%
-10.9% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
32% |
| Delinquency Rate |
1.3%
-7.2% YoY+13.6% QoQ
|
+0.5 |
0.8%
+6.1% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
85% |
| Loan To Share |
86.7%
-2.5% YoY+2.2% QoQ
|
+1.5% |
85.2%
-0.8% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
47% |
| AMR |
$23,022
+1.2% YoY-0.2% QoQ
|
$-6K |
$29,172
+2.8% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
21% |
| CD Concentration |
31.6%
-5.1% YoY+2.3% QoQ
|
+2.7% |
29.0%
+0.7% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
64% |
| Indirect Auto % |
45.3%
-10.0% YoY-3.7% QoQ
|
+26.5% |
18.8%
-3.0% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
Top 7.1% in tier |
Signature Analysis
Strengths (0)
Concerns (7)
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)