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 20.0% in tier
- + Wallet Share Momentum: Top 20.0% in tier
- + Organic Growth Engine: Top 35.8% in tier
- + Organic Growth Leader: Top 35.8% in tier
- + ROA 0.39% above tier average
- + Net Charge-Off Rate: Top 4.2% in tier
- + Total Loans: Top 6.9% in tier
- + Total Delinquency Rate (60+ days): Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 34.5% in tier
- - Net Interest Margin (NIM): Bottom 8.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
121,597
+3.4% YoY+0.9% QoQ
|
+25.5K |
96,048
-2.7% YoY
|
19,049
+8.0% YoY
|
33,913
+5.7% YoY
|
75% |
| Assets |
$2.6B
+9.7% YoY+4.6% QoQ
|
+$862.8M |
$1.7B
+0.4% YoY
|
$318.2M
+13.2% YoY
|
$578.3M
+9.0% YoY
|
Top 12.1% in tier |
| Loans |
$2.0B
+11.7% YoY+2.1% QoQ
|
+$794.3M |
$1.2B
+0.2% YoY
|
$224.2M
+14.2% YoY
|
$402.4M
+8.7% YoY
|
Top 7.2% in tier |
| Deposits |
$2.2B
+9.1% YoY+5.0% QoQ
|
+$737.2M |
$1.5B
+0.5% YoY
|
$268.6M
+13.0% YoY
|
$494.3M
+9.1% YoY
|
Top 12.1% in tier |
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| ROA |
1.1%
+33.5% YoY+14.4% QoQ
|
+0.4% |
0.7%
+27.6% YoY
|
-0.2%
-46.7% YoY
|
0.4%
-39.2% YoY
|
82% |
| NIM |
2.6%
+6.2% YoY+3.8% QoQ
|
-0.8% |
3.4%
+6.2% YoY
|
3.3%
-7.9% YoY
|
3.8%
+4.1% YoY
|
Bottom 8.5% in tier |
| Efficiency Ratio |
67.4%
-8.4% YoY-3.8% QoQ
|
-7.2% |
74.6%
-3.0% YoY
|
83.1%
-14.8% YoY
|
84.6%
+2.8% YoY
|
20% |
| Delinquency Rate |
0.2%
-43.3% YoY-33.4% QoQ
|
-0.5 |
0.8%
+6.9% YoY
|
0.9%
-11.3% YoY
|
1.2%
+3.4% YoY
|
Top 8.5% in tier |
| Loan To Share |
91.2%
+2.4% YoY-2.8% QoQ
|
+8.0% |
83.2%
-0.4% YoY
|
64.5%
+0.1% YoY
|
65.6%
-1.4% YoY
|
69% |
| AMR |
$34,628
+6.7% YoY+2.6% QoQ
|
+$5K |
$29,652
+2.3% YoY
|
$17,696
+5.9% YoY
|
$19,920
+1.6% YoY
|
81% |
| CD Concentration |
30.0%
+3.7% YoY+1.6% QoQ
|
+1.2% | 28.8% | 22.8% | 19.8% | 57% |
| Indirect Auto % | 0.0% | -18.1% | 18.1% | 7.7% | 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.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
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)