BlastPoint's Credit Union Scorecard
FORMATION
Charter #3061 · LA
FORMATION has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 0.9% in tier
- + Total Assets: Top 1.3% in tier
- + Total Deposits: Top 1.5% in tier
- + Total Loans: Top 1.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.94% below tier average
- - Efficiency ratio 4.76% above tier (higher cost structure)
- - Delinquency rate 0.22% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,635
-1.7% YoY+3.3% QoQ
|
+8.0K |
2,615
-1.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
Top 1.0% in tier |
| Assets |
$96.5M
-3.2% YoY-7.5% QoQ
|
+$66.4M |
$30.1M
+2.1% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
Top 1.4% in tier |
| Loans |
$61.5M
-11.5% YoY-4.5% QoQ
|
+$45.8M |
$15.8M
-1.3% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
Top 1.8% in tier |
| Deposits |
$83.4M
-2.8% YoY-8.0% QoQ
|
+$57.7M |
$25.7M
+1.4% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
Top 1.6% in tier |
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| ROA |
-0.3%
-180.4% YoY-215.4% QoQ
|
-0.9% |
0.6%
+10.8% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
Bottom 10.7% in tier |
| NIM |
3.7%
+1.2% YoY+3.4% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
40% |
| Efficiency Ratio |
87.3%
+1.2% YoY+1.5% QoQ
|
+4.8% |
82.6%
-2.3% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
69% |
| Delinquency Rate |
1.8%
+290.8% YoY+51.9% QoQ
|
+0.2 |
1.6%
-3.1% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
76% |
| Loan To Share |
73.8%
-8.9% YoY+3.8% QoQ
|
+13.2% |
60.6%
-3.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
69% |
| AMR |
$13,624
-5.1% YoY-9.6% QoQ
|
$-1K |
$14,783
-1.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
49% |
| CD Concentration |
29.5%
+11.4% YoY-5.0% QoQ
|
+5.1% | 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)