BlastPoint's Credit Union Scorecard
INTERNAL REVENUE
Charter #2446 · LA
INTERNAL REVENUE has 1 strength but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.16% below tier average
- - Efficiency ratio 0.36% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,524
-1.5% YoY+0.1% QoQ
|
-1.1K |
2,615
-1.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
41% |
| Assets |
$21.2M
+6.5% YoY-2.7% QoQ
|
$-8.9M |
$30.1M
+2.1% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
50% |
| Loans |
$10.1M
-4.2% YoY-1.1% QoQ
|
$-5.6M |
$15.8M
-1.3% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
51% |
| Deposits |
$17.9M
+6.8% YoY-2.8% QoQ
|
$-7.8M |
$25.7M
+1.4% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
49% |
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| ROA |
0.5%
-40.6% YoY-68.2% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
37% |
| NIM |
3.4%
-6.9% YoY-0.9% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
32% |
| Efficiency Ratio |
82.9%
+2.9% YoY+29.6% QoQ
|
+0.4% |
82.6%
-2.3% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
58% |
| Delinquency Rate |
0.6%
-48.0% YoY+142.0% QoQ
|
-1.0 |
1.6%
-3.1% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
44% |
| Loan To Share |
56.5%
-10.3% YoY+1.8% QoQ
|
-4.1% |
60.6%
-3.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
44% |
| AMR |
$18,408
+4.1% YoY-2.3% QoQ
|
+$4K |
$14,783
-1.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
72% |
| CD Concentration |
35.3%
+30.2% YoY+10.6% QoQ
|
+10.9% | 24.4% | 15.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 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)