BlastPoint's Credit Union Scorecard

BATON ROUGE TELCO

Charter #1726 · LA

1069 CUs in 100M-500M nationally 21 in LA

BATON ROUGE TELCO has 6 strengths but faces 5 concerns

National Analysis

How does the industry compare?
LA Analysis

How does LA stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 93.6% in tier
  • + Total Loans: Top 0.1% in tier
  • + Loan-to-Share Ratio: Top 1.4% in tier
  • + Total Members: Top 4.1% in tier
  • + Total Deposits: Top 4.5% in tier
  • + Total Assets: Top 4.7% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 26.4% in tier
  • - Indirect Auto Dependency: Bottom 33.5% in tier
  • - ROA 0.14% below tier average
  • - Share Certificate Concentration (%): Bottom 0.9% in tier
  • - Indirect Auto Concentration (%): Bottom 2.1% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Members 34,598
+1.5% YoY+0.4% QoQ
 +19.2K 15,437
-2.9% YoY
 9,309
+1.0% YoY
 33,374
+5.7% YoY
 Top 4.2% in tier
Assets $449.6M
+2.7% YoY-0.3% QoQ
 +$217.7M $231.9M
+1.3% YoY
 $122.7M
+4.8% YoY
 $561.6M
+9.7% YoY
 Top 4.8% in tier
Loans $403.5M
+1.8% YoY+1.7% QoQ
 +$256.2M $147.3M
-0.1% YoY
 $87.2M
+3.5% YoY
 $397.0M
+8.8% YoY
 Top 0.2% in tier
Deposits $392.5M
+5.1% YoY+0.7% QoQ
 +$191.7M $200.8M
+0.8% YoY
 $104.9M
+5.6% YoY
 $477.3M
+9.7% YoY
 Top 4.6% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 0.6%
-1.2% YoY+36.6% QoQ
 -0.1% 0.8%
+18.2% YoY
 0.3%
+12.6% YoY
 0.7%
+15.9% YoY
 40%
NIM 3.0%
+10.6% YoY+0.9% QoQ
 -0.6% 3.6%
+6.7% YoY
 4.2%
+2.9% YoY
 3.8%
+5.1% YoY
 20%
Efficiency Ratio 69.4%
-5.9% YoY-3.4% QoQ
 -7.7% 77.0%
-3.1% YoY
 85.6%
-13.2% YoY
 79.7%
-3.3% YoY
 24%
Delinquency Rate 0.5%
-27.5% YoY-2.2% QoQ
 -0.4 0.9%
+4.2% YoY
 1.9%
-8.2% YoY
 1.3%
-2.1% YoY
 30%
Loan To Share 102.8%
-3.1% YoY+1.0% QoQ
 +30.6% 72.2%
-1.1% YoY
 71.2%
-2.0% YoY
 67.4%
-1.7% YoY
 Top 1.5% in tier
AMR $23,009
+1.8% YoY+0.8% QoQ
 $-2K $24,676
+3.4% YoY
 $13,375
+3.1% YoY
 $19,687
+2.0% YoY
 52%
CD Concentration 52.2%
-1.3% YoY-0.6% QoQ
 +27.8% 24.4% 15.2% 19.8% 50%
Indirect Auto % 60.9%
+0.7% YoY+0.8% QoQ
 +47.1% 13.8% 5.0% 7.8% 50%

Signature Analysis

Strengths (1)

Organic Growth Engine

growth
#557 of 595 • Top 93.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.52%
(Tier: 0.69%, National: 4.32%)
better than tier avg
Return on Assets: 0.62%
(Tier: 0.75%, National: 0.67%)
but worse than tier avg
Indirect Auto %: 60.93%
(Tier: 13.79%, National: 7.78%)
but worse than tier avg
595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally
→ No prior data (595 CUs now) | New qualifier

Concerns (2)

Liquidity Strain

risk
#61 of 228 • Bottom 26.4% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 102.80%
(Tier: 74.08%, National: 67.44%)
but better than tier avg
Loan Growth (YoY): 1.81%
(Tier: 4.11%, National: 111.96%)
worse than tier avg
228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally
↓ Shrinking -37 CUs YoY | Rank worsening

Indirect Auto Dependency

risk
#170 of 506 • Bottom 33.5% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 2.69%
(Tier: 5.37%, National: 3.54%)
worse than tier avg
Indirect Auto %: 60.93%
(Tier: 13.79%, National: 7.78%)
worse than tier avg
Member Growth (YoY): 1.52%
(Tier: 0.69%, National: 4.32%)
but better than tier avg
506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally
↓ Shrinking -35 CUs YoY | Rank worsening

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)

Comparing against 1069 peers in tier

Top Strengths (8 metrics)

2
Total Loans
balance_sheet
Value: $403.52M
Peer Median: -
#2 of 1069 Top 0.1% in 100M-500M tier
16
Loan-to-Share Ratio
balance_sheet
Value: 102.80%
Peer Median: -
#16 of 1069 Top 1.4% in 100M-500M tier
45
Total Members
engagement
Value: 34,598
Peer Median: -
#45 of 1069 Top 4.1% in 100M-500M tier
49
Total Deposits
balance_sheet
Value: $392.54M
Peer Median: -
#49 of 1069 Top 4.5% in 100M-500M tier
51
Total Assets
balance_sheet
Value: $449.57M
Peer Median: -
#51 of 1069 Top 4.7% in 100M-500M tier
166
Members Per Employee (MPE)
engagement
Value: 421.927
Peer Median: -
#166 of 1069 Top 15.4% in 100M-500M tier
218
First Mortgage Concentration (%)
balance_sheet
Value: 14.96%
Peer Median: -
#218 of 1069 Top 20.3% in 100M-500M tier
260
Efficiency Ratio
profitability
Value: 69.36%
Peer Median: -
#260 of 1069 Top 24.2% in 100M-500M tier

Top Weaknesses (4 metrics)

1060
Share Certificate Concentration (%)
balance_sheet
Value: 52.20%
Peer Median: -
#1060 of 1069 Bottom 0.9% in 100M-500M tier
1048
Indirect Auto Concentration (%)
balance_sheet
Value: 60.93%
Peer Median: -
#1048 of 1069 Bottom 2.1% in 100M-500M tier
887
Net Charge-Off Rate
risk
Value: 0.77%
Peer Median: -
#887 of 1069 Bottom 17.1% in 100M-500M tier
857
Net Interest Margin (NIM)
profitability
Value: 3.04%
Peer Median: -
#857 of 1069 Bottom 19.9% in 100M-500M tier
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