BlastPoint's Credit Union Scorecard
CSE
Charter #5086 · LA
CSE has 7 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 92.5% in tier
- + Organic Growth Engine: Top 95.6% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Deposits: Top 3.6% in tier
- + Total Members: Top 3.6% in tier
- + Total Assets: Top 4.8% in tier
- + Total Loans: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 27.0% in tier
- - Credit Quality Pressure: Bottom 49.9% in tier
- - Shrinking Wallet Share: Bottom 89.9% in tier
- - ROA 0.60% below tier average
- - Efficiency ratio 13.67% above tier (higher cost structure)
- - Delinquency rate 0.40% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
35,538
+0.7% YoY-0.1% QoQ
|
+20.1K |
15,437
-2.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
Top 3.7% in tier |
| Assets |
$448.7M
+0.2% YoY-1.3% QoQ
|
+$216.9M |
$231.9M
+1.3% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
Top 4.9% in tier |
| Loans |
$273.5M
-2.2% YoY-0.2% QoQ
|
+$126.2M |
$147.3M
-0.1% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
Top 9.7% in tier |
| Deposits |
$404.3M
+1.1% YoY-0.7% QoQ
|
+$203.5M |
$200.8M
+0.8% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
Top 3.6% in tier |
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| ROA |
0.2%
-127.9% YoY-28.0% QoQ
|
-0.6% |
0.8%
+18.2% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
Bottom 11.4% in tier |
| NIM |
3.5%
+9.7% YoY+2.9% QoQ
|
-0.1% |
3.6%
+6.7% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
42% |
| Efficiency Ratio |
90.7%
-7.6% YoY-0.7% QoQ
|
+13.7% |
77.0%
-3.1% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
Top 8.8% in tier |
| Delinquency Rate |
1.3%
+19.3% YoY+67.8% QoQ
|
+0.4 |
0.9%
+4.2% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
81% |
| Loan To Share |
67.7%
-3.3% YoY+0.5% QoQ
|
-4.6% |
72.2%
-1.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
38% |
| AMR |
$19,073
-0.9% YoY-0.4% QoQ
|
$-6K |
$24,676
+3.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
28% |
| CD Concentration |
27.0%
+0.1% YoY-2.7% QoQ
|
+2.6% | 24.4% | 15.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.0% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)