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
- + Organic Growth Engine: Top 8.4% in tier
- + Organic Growth Leader: Top 18.1% in tier
- + Relationship Depth Leader: Top 43.9% in tier
- + Credit Quality Leader: Top 59.6% in tier
- + Wallet Share Momentum: Top 90.4% in tier
- + ROA 0.25% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 4.9% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 26.3% in tier
- - Net Interest Margin (NIM): Bottom 9.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
119,731
+3.3% YoY+0.9% QoQ
|
+21.1K |
98,678
-1.9% YoY
|
18,350
+6.5% YoY
|
33,089
+6.1% YoY
|
72% |
| Assets |
$2.4B
+8.9% YoY+0.8% QoQ
|
+$705.8M |
$1.7B
+0.5% YoY
|
$291.9M
+10.4% YoY
|
$547.7M
+7.8% YoY
|
83% |
| Loans |
$1.9B
+9.2% YoY+3.4% QoQ
|
+$655.8M |
$1.2B
+0.5% YoY
|
$208.5M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
Top 11.5% in tier |
| Deposits |
$2.1B
+8.9% YoY+0.5% QoQ
|
+$609.5M |
$1.5B
+1.3% YoY
|
$245.3M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
84% |
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 |
1.0%
+51.0% YoY+8.6% QoQ
|
+0.2% |
0.7%
+13.4% YoY
|
0.2%
-216.5% YoY
|
0.7%
+273.4% YoY
|
73% |
| NIM |
2.5%
+13.5% YoY+1.8% QoQ
|
-0.8% |
3.3%
+9.3% YoY
|
3.6%
+4.6% YoY
|
3.7%
+5.0% YoY
|
Bottom 8.9% in tier |
| Efficiency Ratio |
70.7%
-10.8% YoY-2.6% QoQ
|
-3.2% |
74.0%
-10.9% YoY
|
85.0%
-21.4% YoY
|
79.1%
-3.3% YoY
|
34% |
| Delinquency Rate |
0.3%
-34.9% YoY-21.9% QoQ
|
-0.5 |
0.8%
+6.1% YoY
|
0.8%
-26.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 14.5% in tier |
| Loan To Share |
91.5%
+0.2% YoY+2.9% QoQ
|
+6.3% |
85.2%
-0.8% YoY
|
65.5%
-4.4% YoY
|
68.0%
-1.7% YoY
|
60% |
| AMR |
$33,013
+5.6% YoY+1.0% QoQ
|
+$4K |
$29,172
+2.8% YoY
|
$16,917
+3.2% YoY
|
$19,418
+1.3% YoY
|
78% |
| CD Concentration |
29.1%
-0.9% YoY+0.6% QoQ
|
+0.1% |
29.0%
+0.7% YoY
|
22.1%
-0.3% YoY
|
19.6%
+6.2% YoY
|
52% |
| Indirect Auto % | 0.0% | -18.8% |
18.8%
-3.0% YoY
|
7.8%
-3.4% YoY
|
7.9%
-2.9% YoY
|
Bottom 0.0% in tier |
Signature Analysis
Strengths (5)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
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)