BlastPoint's Credit Union Scorecard
SEVENFOLD
Charter #1725 · LA
SEVENFOLD has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.13% above tier average
- + Net Interest Margin 0.16% above tier average
- + Fee Income Per Member: Top 4.8% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.1% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,538
-2.1% YoY-2.2% QoQ
|
+922 |
2,615
-1.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
74% |
| Assets |
$52.8M
+7.8% YoY-0.8% QoQ
|
+$22.7M |
$30.1M
+2.1% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
79% |
| Loans |
$23.2M
-1.9% YoY-1.4% QoQ
|
+$7.4M |
$15.8M
-1.3% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
75% |
| Deposits |
$45.6M
+8.1% YoY-0.9% QoQ
|
+$19.9M |
$25.7M
+1.4% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
79% |
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| ROA |
0.8%
-41.1% YoY-7.1% QoQ
|
+0.1% |
0.6%
+10.8% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
54% |
| NIM |
4.1%
-5.9% YoY+1.3% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
59% |
| Efficiency Ratio |
81.4%
+10.6% YoY-0.1% QoQ
|
-1.1% |
82.6%
-2.3% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
54% |
| Delinquency Rate |
1.3%
+50.5% YoY-20.8% QoQ
|
-0.2 |
1.6%
-3.1% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
68% |
| Loan To Share |
50.8%
-9.3% YoY-0.5% QoQ
|
-9.8% |
60.6%
-3.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
34% |
| AMR |
$19,436
+6.7% YoY+1.2% QoQ
|
+$5K |
$14,783
-1.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
77% |
| CD Concentration |
19.9%
+31.7% YoY-4.3% QoQ
|
-4.5% | 24.4% | 15.2% | 19.8% | 50% |
| Indirect Auto % |
3.7%
-34.8% YoY-9.6% QoQ
|
-10.1% | 13.8% | 5.0% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)