BlastPoint's Credit Union Scorecard

ACADIAN

Charter #6898 · LA

2556 CUs in <100M nationally 109 in LA

ACADIAN has 3 strengths but faces 1 concern

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 0.74% above tier average
+ Net Interest Margin 0.48% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- Member decline: -3.2% YoY

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Members	2,718 -3.2% YoY+0.0% QoQ	+102	2,615 -1.9% YoY	9,309 +1.0% YoY	33,374 +5.7% YoY	63%
Assets	$20.3M +1.3% YoY-1.1% QoQ	$-9.9M	$30.1M +2.1% YoY	$122.7M +4.8% YoY	$561.6M +9.7% YoY	48%
Loans	$11.7M -3.9% YoY-2.4% QoQ	$-4.1M	$15.8M -1.3% YoY	$87.2M +3.5% YoY	$397.0M +8.8% YoY	55%
Deposits	$17.9M -0.1% YoY-1.6% QoQ	$-7.8M	$25.7M +1.4% YoY	$104.9M +5.6% YoY	$477.3M +9.7% YoY	49%

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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	1.4% -18.4% YoY-4.3% QoQ	+0.7%	0.6% +10.8% YoY	0.3% +12.6% YoY	0.7% +15.9% YoY	80%
NIM	4.4% -2.7% YoY-0.2% QoQ	+0.5%	4.0% +4.0% YoY	4.2% +2.9% YoY	3.8% +5.1% YoY	71%
Efficiency Ratio	68.9% +7.3% YoY+0.8% QoQ	-13.7%	82.6% -2.3% YoY	85.6% -13.2% YoY	79.7% -3.3% YoY	25%
Delinquency Rate	0.6% +71.1% YoY+37.0% QoQ	-1.0	1.6% -3.1% YoY	1.9% -8.2% YoY	1.3% -2.1% YoY	44%
Loan To Share	65.2% -3.8% YoY-0.9% QoQ	+4.6%	60.6% -3.1% YoY	71.2% -2.0% YoY	67.4% -1.7% YoY	57%
AMR	$10,878 +1.6% YoY-2.0% QoQ	$-4K	$14,783 -1.4% YoY	$13,375 +3.1% YoY	$19,687 +2.0% YoY	33%
CD Concentration	7.8% +0.2% YoY+5.0% QoQ	-16.6%	24.4%	15.2%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	5.0%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2556 peers in tier

Top Strengths (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 2556 Top 0.0% in <100M tier

279

Members Per Employee (MPE)

engagement

Value: 543.600

Peer Median: -

#279 of 2556 Top 10.9% in <100M tier

517

Return on Assets (ROA)

profitability

Value: 1.36%

Peer Median: -

#517 of 2556 Top 20.2% in <100M tier

Top Weaknesses (0 metrics)

No weakness rankings available