BlastPoint's Credit Union Scorecard
L & N
Charter #9260 · KY
L & N has 8 strengths but faces 2 concerns
How does the industry compare?
What's your peer group doing?
How does KY stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 15.9% in tier
- + Wallet Share Momentum: Top 15.9% in tier
- + Organic Growth Engine: Top 33.9% in tier
- + Organic Growth Leader: Top 33.9% in tier
- + ROA 0.30% above tier average
- + Net Charge-Off Rate: Top 4.0% in tier
- + Total Loans: Top 5.7% in tier
- + Total Delinquency Rate (60+ days): Top 7.3% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 39.7% in tier
- - Net Interest Margin (NIM): Bottom 7.3% 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 5 that size in Kentucky.
- Shares and deposits +10.1% year over year ($2.26B in shares and deposits).
- Membership: 122,957 members, +3.6% vs a year ago.
- Delinquency rate 0.26%.
- Return on assets 1.12%.
- Efficiency ratio 67.42% vs a 73.02% peer average.
- Loan-to-share ratio 91.70% 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 (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
122,957
+3.6% YoY+1.1% QoQ
|
+26.1K |
96,861
-1.9% YoY
|
19,704
+8.5% YoY
|
34,678
+6.6% YoY
|
76% |
| Assets |
$2.6B
+10.0% YoY+2.5% QoQ
|
+$923.6M |
$1.7B
+0.4% YoY
|
$329.2M
+13.7% YoY
|
$593.1M
+10.2% YoY
|
Top 9.7% in tier |
| Loans |
$2.1B
+13.5% YoY+3.3% QoQ
|
+$839.0M |
$1.2B
+0.7% YoY
|
$234.8M
+15.2% YoY
|
$418.6M
+10.1% YoY
|
Top 6.0% in tier |
| Deposits |
$2.3B
+10.1% YoY+2.6% QoQ
|
+$797.6M |
$1.5B
+0.5% YoY
|
$276.9M
+13.5% YoY
|
$504.8M
+10.3% YoY
|
Top 11.0% 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 |
1.1%
+28.1% YoY+0.9% QoQ
|
+0.3% |
0.8%
+27.6% YoY
|
1.2%
+141.8% YoY
|
1.2%
+121.4% YoY
|
77% |
| NIM |
2.6%
+6.7% YoY+0.9% QoQ
|
-0.8% |
3.4%
+6.6% YoY
|
3.7%
+2.3% YoY
|
3.8%
+2.3% YoY
|
Bottom 7.0% in tier |
| Efficiency Ratio |
67.4%
-7.1% YoY-0.0% QoQ
|
-5.6% |
73.0%
-2.7% YoY
|
83.2%
+1.5% YoY
|
83.0%
-5.3% YoY
|
26% |
| Delinquency Rate |
0.3%
-35.1% YoY+25.5% QoQ
|
-0.6 |
0.9%
+7.3% YoY
|
1.1%
+18.9% YoY
|
1.3%
+2.6% YoY
|
Top 7.3% in tier |
| Loan To Share |
91.7%
+3.1% YoY+0.6% QoQ
|
+7.0% |
84.7%
+0.1% YoY
|
64.3%
-0.2% YoY
|
66.4%
-1.4% YoY
|
65% |
| AMR |
$35,250
+7.8% YoY+1.8% QoQ
|
+$6K |
$29,575
+1.5% YoY
|
$17,761
+5.3% YoY
|
$20,028
-0.9% YoY
|
83% |
| CD Concentration |
31.1%
+7.7% YoY+3.7% QoQ
|
+2.1% | 29.1% | 23.1% | 20.0% | 61% |
| Indirect Auto % | 0.0% | -18.1% | 18.1% | 7.6% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (1)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)