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 20.7% in tier
- + Relationship Depth Leader: Top 34.4% in tier
- + Organic Growth Leader: Top 51.8% in tier
- + Wallet Share Momentum: Top 72.1% in tier
- + ROA 0.29% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 4.6% in tier
- + Total Loans: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 49.7% in tier
- - Net Interest Margin (NIM): Bottom 8.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
120,488
+3.2% YoY+0.6% QoQ
|
+23.1K |
97,431
-2.4% YoY
|
18,352
+6.1% YoY
|
33,374
+5.7% YoY
|
74% |
| Assets |
$2.5B
+9.2% YoY+1.8% QoQ
|
+$745.0M |
$1.7B
+0.9% YoY
|
$297.6M
+11.0% YoY
|
$561.6M
+9.7% YoY
|
84% |
| Loans |
$2.0B
+11.0% YoY+4.2% QoQ
|
+$732.9M |
$1.2B
+0.5% YoY
|
$214.0M
+12.0% YoY
|
$397.0M
+8.8% YoY
|
Top 8.6% in tier |
| Deposits |
$2.1B
+8.9% YoY+1.6% QoQ
|
+$638.1M |
$1.5B
+0.9% YoY
|
$249.6M
+10.9% YoY
|
$477.3M
+9.7% YoY
|
Top 14.2% in tier |
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| ROA |
1.0%
+46.9% YoY+2.1% QoQ
|
+0.3% |
0.7%
+20.9% YoY
|
0.3%
-193.7% YoY
|
0.7%
+15.9% YoY
|
76% |
| NIM |
2.5%
+14.6% YoY+0.1% QoQ
|
-0.8% |
3.3%
+9.2% YoY
|
3.7%
-0.4% YoY
|
3.8%
+5.1% YoY
|
Bottom 8.3% in tier |
| Efficiency Ratio |
70.1%
-10.2% YoY-0.9% QoQ
|
-3.9% |
74.1%
-9.5% YoY
|
85.5%
-17.8% YoY
|
79.7%
-3.3% YoY
|
32% |
| Delinquency Rate |
0.3%
-39.2% YoY-0.5% QoQ
|
-0.6 |
0.9%
+6.2% YoY
|
1.1%
-5.8% YoY
|
1.3%
-2.1% YoY
|
Bottom 11.6% in tier |
| Loan To Share |
93.8%
+1.9% YoY+2.5% QoQ
|
+9.0% |
84.8%
-0.8% YoY
|
65.9%
-3.9% YoY
|
67.4%
-1.7% YoY
|
72% |
| AMR |
$33,735
+6.5% YoY+2.2% QoQ
|
+$4K |
$29,428
+2.4% YoY
|
$17,204
+6.4% YoY
|
$19,687
+2.0% YoY
|
80% |
| CD Concentration |
29.6%
+0.1% YoY+1.6% QoQ
|
+0.5% | 29.0% | 22.4% | 19.8% | 54% |
| Indirect Auto % | 0.0% | -18.3% | 18.3% | 7.7% | 7.8% | Bottom 0.0% 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 (<20%). 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)