BlastPoint's Credit Union Scorecard
LAFCU
Charter #68632 · MI
LAFCU has 2 strengths but faces 8 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.18% above tier average
- + Net Worth Ratio: Top 1.0% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 1.0% in tier
- - Efficiency Drag: Bottom 24.0% in tier
- - Indirect Auto Dependency: Bottom 93.4% in tier
- - Deposit Outflow: Bottom 94.5% in tier
- - ROA 0.36% below tier average
- - Efficiency ratio 6.07% above tier (higher cost structure)
- - Delinquency rate 0.29% above tier average
- - Total Deposits: Bottom 6.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
73,193
-0.4% YoY-0.4% QoQ
|
-22.9K |
96,048
-2.7% YoY
|
36,022
+6.3% YoY
|
33,913
+5.7% YoY
|
32% |
| Assets |
$1.1B
-1.6% YoY-0.3% QoQ
|
$-584.2M |
$1.7B
+0.4% YoY
|
$705.1M
+14.1% YoY
|
$578.3M
+9.0% YoY
|
16% |
| Loans |
$784.3M
+1.6% YoY-1.0% QoQ
|
$-429.5M |
$1.2B
+0.2% YoY
|
$480.6M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
Bottom 15.0% in tier |
| Deposits |
$902.9M
-2.7% YoY-0.5% QoQ
|
$-562.7M |
$1.5B
+0.5% YoY
|
$601.5M
+14.1% YoY
|
$494.3M
+9.1% YoY
|
Bottom 5.9% in tier |
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| ROA |
0.4%
-59.0% YoY-36.9% QoQ
|
-0.4% |
0.7%
+27.6% YoY
|
0.9%
+85.7% YoY
|
0.4%
-39.2% YoY
|
20% |
| NIM |
4.5%
+9.1% YoY+4.2% QoQ
|
+1.2% |
3.4%
+6.2% YoY
|
3.7%
+3.8% YoY
|
3.8%
+4.1% YoY
|
Top 3.6% in tier |
| Efficiency Ratio |
80.7%
+10.5% YoY+12.8% QoQ
|
+6.1% |
74.6%
-3.0% YoY
|
75.8%
-7.1% YoY
|
84.6%
+2.8% YoY
|
74% |
| Delinquency Rate |
1.1%
-9.0% YoY-22.2% QoQ
|
+0.3 |
0.8%
+6.9% YoY
|
0.7%
-7.8% YoY
|
1.2%
+3.4% YoY
|
82% |
| Loan To Share |
86.9%
+4.3% YoY-0.4% QoQ
|
+3.7% |
83.2%
-0.4% YoY
|
65.1%
-0.0% YoY
|
65.6%
-1.4% YoY
|
55% |
| AMR |
$23,051
-0.4% YoY-0.3% QoQ
|
$-7K |
$29,652
+2.3% YoY
|
$22,971
+5.9% YoY
|
$19,920
+1.6% YoY
|
20% |
| CD Concentration |
27.7%
-11.0% YoY-8.3% QoQ
|
-1.1% | 28.8% | 18.6% | 19.8% | 46% |
| Indirect Auto % |
41.6%
-14.0% YoY-4.0% QoQ
|
+23.5% | 18.1% | 11.7% | 7.7% | Bottom 8.4% in tier |
Signature Analysis
Strengths (0)
Concerns (4)
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)