BlastPoint's Credit Union Scorecard
LES
Charter #6584 · LA
LES has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.10% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.32% below tier average
- - Efficiency ratio 4.86% 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 |
4,917
-0.6% YoY-0.0% QoQ
|
+2.3K |
2,615
-1.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
Top 14.6% in tier |
| Assets |
$44.9M
+5.2% YoY+0.6% QoQ
|
+$14.7M |
$30.1M
+2.1% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
74% |
| Loans |
$21.8M
-2.9% YoY+0.2% QoQ
|
+$6.1M |
$15.8M
-1.3% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
72% |
| Deposits |
$39.1M
+5.5% YoY+1.2% QoQ
|
+$13.5M |
$25.7M
+1.4% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
75% |
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| ROA |
0.3%
-18.0% YoY-61.5% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
30% |
| NIM |
4.1%
-7.4% YoY-7.1% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
57% |
| Efficiency Ratio |
87.4%
+7.8% YoY+9.3% QoQ
|
+4.9% |
82.6%
-2.3% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
70% |
| Delinquency Rate |
1.3%
+107.4% YoY+97.0% QoQ
|
-0.2 |
1.6%
-3.1% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
68% |
| Loan To Share |
55.8%
-7.9% YoY-0.9% QoQ
|
-4.8% |
60.6%
-3.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
43% |
| AMR |
$12,400
+2.9% YoY+0.9% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
42% |
| CD Concentration |
18.7%
+7.8% YoY-2.3% QoQ
|
-5.8% | 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)