BlastPoint's Credit Union Scorecard
SOUTHEAST LOUISIANA VETERANS HEALTH
Charter #5839 · LA
SOUTHEAST LOUISIANA VETERANS HEALTH has 7 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.58% above tier average
- + Net Interest Margin 3.10% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 8.7% in tier
- + Loan-to-Share Ratio: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 2.00% above tier (higher cost structure)
- - Average Member Relationship (AMR): Bottom 9.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,007
+3.6% YoY+2.7% QoQ
|
-1.6K |
2,615
-1.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
28% |
| Assets |
$3.0M
+7.7% YoY-3.0% QoQ
|
$-27.1M |
$30.1M
+2.1% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
Bottom 12.8% in tier |
| Loans |
$2.4M
+1.2% YoY-1.1% QoQ
|
$-13.3M |
$15.8M
-1.3% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
20% |
| Deposits |
$2.7M
+7.1% YoY-3.6% QoQ
|
$-23.0M |
$25.7M
+1.4% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 14.3% in tier |
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| ROA |
1.2%
+10.2% YoY-4.8% QoQ
|
+0.6% |
0.6%
+10.8% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
74% |
| NIM |
7.1%
-3.7% YoY+1.8% QoQ
|
+3.1% |
4.0%
+4.0% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
Top 1.2% in tier |
| Efficiency Ratio |
84.6%
-2.3% YoY+1.3% QoQ
|
+2.0% |
82.6%
-2.3% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
62% |
| Delinquency Rate |
0.3%
-60.3% YoY-80.1% QoQ
|
-1.2 |
1.6%
-3.1% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
33% |
| Loan To Share |
90.0%
-5.6% YoY+2.6% QoQ
|
+29.4% |
60.6%
-3.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
Top 10.1% in tier |
| AMR |
$5,057
+0.6% YoY-5.0% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
Bottom 9.4% in tier |
| CD Concentration | 0.0% | -24.4% | 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)