BlastPoint's Credit Union Scorecard
LA PORTE COMMUNITY
Charter #2051 · IN
LA PORTE COMMUNITY has 8 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.59% above tier average
- + Net Interest Margin 0.82% above tier average
- + Total Loans: Top 2.0% in tier
- + Total Members: Top 3.2% in tier
- + Loan Growth Rate: Top 7.1% in tier
- + Loan-to-Share Ratio: Top 8.0% in tier
- + Total Deposits: Top 9.4% in tier
- + Total Assets: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Concentration (%): Bottom 5.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,281
+1.9% YoY-2.3% QoQ
|
+5.7K |
2,615
-1.9% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
Top 3.2% in tier |
| Assets |
$75.0M
+7.1% YoY+4.2% QoQ
|
+$44.9M |
$30.1M
+2.1% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
Top 9.9% in tier |
| Loans |
$60.2M
+13.3% YoY-1.2% QoQ
|
+$44.4M |
$15.8M
-1.3% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
Top 2.0% in tier |
| Deposits |
$65.1M
+6.6% YoY+4.8% QoQ
|
+$39.4M |
$25.7M
+1.4% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
Top 9.4% in tier |
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| ROA |
1.2%
+7.9% YoY-20.7% QoQ
|
+0.6% |
0.6%
+10.8% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
75% |
| NIM |
4.8%
+8.9% YoY-2.1% QoQ
|
+0.8% |
4.0%
+4.0% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
81% |
| Efficiency Ratio |
76.8%
-0.1% YoY+5.8% QoQ
|
-5.8% |
82.6%
-2.3% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
43% |
| Delinquency Rate |
1.2%
+57.3% YoY+5.5% QoQ
|
-0.4 |
1.6%
-3.1% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
64% |
| Loan To Share |
92.5%
+6.3% YoY-5.7% QoQ
|
+31.8% |
60.6%
-3.1% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
Top 8.1% in tier |
| AMR |
$15,125
+7.7% YoY+4.2% QoQ
|
+$342 |
$14,783
-1.4% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
57% |
| CD Concentration |
20.0%
+39.7% YoY+27.4% QoQ
|
-4.4% | 24.4% | 19.3% | 19.8% | 50% |
| Indirect Auto % |
21.8%
+3.7% YoY-2.8% QoQ
|
+8.0% | 13.8% | 10.7% | 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)