BlastPoint's Credit Union Scorecard

EPIC

Charter #404 · LA

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

EPIC has 4 strengths but faces 11 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

+ ROA 0.44% above tier average
+ Net Interest Margin 0.62% above tier average
+ Fee Income Per Member: Top 3.2% in tier
+ Loan-to-Share Ratio: Top 8.3% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 6.8% in tier
- Stagnation Risk: Bottom 38.9% in tier
- Shrinking Wallet Share: Bottom 68.6% in tier
- Indirect Auto Dependency: Bottom 71.5% in tier
- Accelerating Exit Risk: Bottom 74.5% in tier
- Membership Headwinds: Bottom 84.5% in tier
- Liquidity Strain: Bottom 84.6% in tier
- Institutional Decline: Bottom 86.6% in tier
- Delinquency rate 1.62% above tier average
- Total Delinquency Rate (60+ days): Bottom 4.0% in tier
- Deposit Growth Rate: Bottom 8.4% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Members	13,789 -1.1% YoY-1.9% QoQ	-1.6K	15,437 -2.9% YoY	9,309 +1.0% YoY	33,374 +5.7% YoY	52%
Assets	$165.6M -1.1% YoY+1.1% QoQ	$-66.3M	$231.9M +1.3% YoY	$122.7M +4.8% YoY	$561.6M +9.7% YoY	38%
Loans	$132.1M -3.3% YoY+0.3% QoQ	$-15.3M	$147.3M -0.1% YoY	$87.2M +3.5% YoY	$397.0M +8.8% YoY	54%
Deposits	$140.9M -2.2% YoY+1.5% QoQ	$-59.9M	$200.8M +0.8% YoY	$104.9M +5.6% YoY	$477.3M +9.7% YoY	35%

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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	1.2% +54.5% YoY-24.4% QoQ	+0.4%	0.8% +18.2% YoY	0.3% +12.6% YoY	0.7% +15.9% YoY	80%
NIM	4.2% +10.3% YoY+1.7% QoQ	+0.6%	3.6% +6.7% YoY	4.2% +2.9% YoY	3.8% +5.1% YoY	83%
Efficiency Ratio	69.5% -11.4% YoY+4.3% QoQ	-7.6%	77.0% -3.1% YoY	85.6% -13.2% YoY	79.7% -3.3% YoY	24%
Delinquency Rate	2.5% +56.2% YoY+18.0% QoQ	+1.6	0.9% +4.2% YoY	1.9% -8.2% YoY	1.3% -2.1% YoY	Top 4.0% in tier
Loan To Share	93.7% -1.2% YoY-1.2% QoQ	+21.5%	72.2% -1.1% YoY	71.2% -2.0% YoY	67.4% -1.7% YoY	Top 8.4% in tier
AMR	$19,799 -1.7% YoY+2.8% QoQ	$-5K	$24,676 +3.4% YoY	$13,375 +3.1% YoY	$19,687 +2.0% YoY	32%
CD Concentration	18.5% +5.6% YoY+6.2% QoQ	-5.9%	24.4%	15.2%	19.8%	50%
Indirect Auto %	31.8% -20.0% YoY-8.3% QoQ	+18.0%	13.8%	5.0%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (8)

Credit Quality Pressure

risk

#49 of 705 • Bottom 6.8% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.90% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Stagnation Risk

risk

#216 of 554 • Bottom 38.9% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.08%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -3.33%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 2.51%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Shrinking Wallet Share

decline

#143 of 208 • Bottom 68.6% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.66%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#362 of 506 • Bottom 71.5% in tier

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

Why This Signature

Asset Growth (YoY): -1.06%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 31.76%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -1.08%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank worsening

Accelerating Exit Risk

decline

#42 of 56 • Bottom 74.5% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -1.08%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

AMR Growth (YoY): -1.66%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

56 of 1069 Mid-Small & Community CUs have this signature | 69 nationally

→ No prior data (56 CUs now) | New qualifier

Membership Headwinds

decline

#468 of 554 • Bottom 84.5% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.08%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Liquidity Strain

risk

#193 of 228 • Bottom 84.6% in tier

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

Why This Signature

Loan-to-Share Ratio: 93.74%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): -3.33%

(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

Institutional Decline

decline

#208 of 240 • Bottom 86.6% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $165.59M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -1.08%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -3.33%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (6 metrics)

Fee Income Per Member

profitability

Value: $322.78

Peer Median: -

#35 of 1069 Top 3.2% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 93.74%

Peer Median: -

#90 of 1069 Top 8.3% in 100M-500M tier

185

Net Interest Margin (NIM)

profitability

Value: 4.23%

Peer Median: -

#185 of 1069 Top 17.2% in 100M-500M tier

203

Net Worth Ratio

risk

Value: 14.34%

Peer Median: -

#203 of 1069 Top 18.9% in 100M-500M tier

217

Return on Assets (ROA)

profitability

Value: 1.20%

Peer Median: -

#217 of 1069 Top 20.2% in 100M-500M tier

263

Efficiency Ratio

profitability

Value: 69.46%

Peer Median: -

#263 of 1069 Top 24.5% in 100M-500M tier

Top Weaknesses (8 metrics)

1027

Total Delinquency Rate (60+ days)

risk

Value: 2.51%

Peer Median: -

#1027 of 1069 Bottom 4.0% in 100M-500M tier

980

Deposit Growth Rate

growth

Value: -2.16%

Peer Median: -

#980 of 1069 Bottom 8.4% in 100M-500M tier

959

Asset Growth Rate

growth

Value: -1.06%

Peer Median: -

#959 of 1069 Bottom 10.4% in 100M-500M tier

949

AMR Growth Rate

growth

Value: -1.66%

Peer Median: -

#949 of 1069 Bottom 11.3% in 100M-500M tier

934

Net Charge-Off Rate

risk

Value: 0.89%

Peer Median: -

#934 of 1069 Bottom 12.7% in 100M-500M tier

917

Indirect Auto Concentration (%)

balance_sheet

Value: 31.76%

Peer Median: -

#917 of 1069 Bottom 14.3% in 100M-500M tier

890

Loan Growth Rate

growth

Value: -3.33%

Peer Median: -

#890 of 1069 Bottom 16.8% in 100M-500M tier

862

Members Per Employee (MPE)

engagement

Value: 250.709

Peer Median: -

#862 of 1069 Bottom 19.5% in 100M-500M tier