BlastPoint's Credit Union Scorecard
LAFCU
Charter #68632 · MI
LAFCU has 2 strengths but faces 8 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
- + Net Interest Margin 1.12% above tier average
- + Net Worth Ratio: Top 1.0% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 1.1% in tier
- - Credit Quality Pressure: Bottom 35.2% in tier
- - Stagnation Risk: Bottom 80.1% in tier
- - Membership Headwinds: Bottom 80.1% in tier
- - Accelerating Exit Risk: Bottom 80.1% in tier
- - Institutional Decline: Bottom 88.0% in tier
- - Shrinking Wallet Share: Bottom 91.7% in tier
- - Indirect Auto Dependency: Bottom 96.0% 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 300 credit unions with $1B-$3B in assets nationally, and 1 of 21 that size in Michigan.
- Shares and deposits -2.8% year over year ($892M in shares and deposits).
- Membership: 72,706 members, -1.1% vs a year ago.
- Delinquency rate 1.24%.
- Return on assets 0.31%.
- Efficiency ratio 78.61% vs a 73.02% peer average.
- Loan-to-share ratio 82.09% vs a 84.71% 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 (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
72,706
-1.1% YoY-0.7% QoQ
|
-24.2K |
96,861
-1.9% YoY
|
36,289
+5.9% YoY
|
34,678
+6.6% YoY
|
31% |
| Assets |
$1.1B
-1.9% YoY-0.9% QoQ
|
$-598.5M |
$1.7B
+0.4% YoY
|
$717.2M
+13.9% YoY
|
$593.1M
+10.2% YoY
|
Bottom 15.0% in tier |
| Loans |
$732.1M
-5.9% YoY-6.7% QoQ
|
$-502.2M |
$1.2B
+0.7% YoY
|
$498.6M
+13.7% YoY
|
$418.6M
+10.1% YoY
|
Bottom 10.3% in tier |
| Deposits |
$891.8M
-2.8% YoY-1.2% QoQ
|
$-571.5M |
$1.5B
+0.5% YoY
|
$610.4M
+14.2% YoY
|
$504.8M
+10.3% YoY
|
Bottom 6.7% 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 |
0.3%
-67.8% YoY-12.3% QoQ
|
-0.5% |
0.8%
+27.6% YoY
|
1.0%
+47.3% YoY
|
1.2%
+121.4% YoY
|
Bottom 12.3% in tier |
| NIM |
4.5%
+8.4% YoY+0.3% QoQ
|
+1.1% |
3.4%
+6.6% YoY
|
3.8%
+4.4% YoY
|
3.8%
+2.3% YoY
|
Top 4.0% in tier |
| Efficiency Ratio |
78.6%
+10.6% YoY-2.6% QoQ
|
+5.6% |
73.0%
-2.7% YoY
|
74.6%
-8.6% YoY
|
83.0%
-5.3% YoY
|
72% |
| Delinquency Rate |
1.2%
+8.7% YoY+18.5% QoQ
|
+0.4 |
0.9%
+7.3% YoY
|
0.9%
+9.0% YoY
|
1.3%
+2.6% YoY
|
79% |
| Loan To Share |
82.1%
-3.2% YoY-5.5% QoQ
|
-2.6% |
84.7%
+0.1% YoY
|
66.6%
+0.6% YoY
|
66.4%
-1.4% YoY
|
35% |
| AMR |
$22,335
-3.2% YoY-3.1% QoQ
|
$-7K |
$29,575
+1.5% YoY
|
$23,154
+6.0% YoY
|
$20,028
-0.9% YoY
|
Bottom 13.7% in tier |
| CD Concentration |
28.5%
-7.7% YoY+2.8% QoQ
|
-0.6% | 29.1% | 18.8% | 20.0% | 48% |
| Indirect Auto % |
42.5%
-9.5% YoY+2.2% QoQ
|
+24.4% | 18.1% | 11.7% | 7.7% | Bottom 8.0% in tier |
Signature Analysis
Strengths (0)
Concerns (8)
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
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)