BlastPoint's Credit Union Scorecard

MUNICIPAL EMPLOYEES

Charter #10011 · LA

2556 CUs in <100M nationally 109 in LA

MUNICIPAL EMPLOYEES has 9 strengths but faces 15 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

  • + Net Interest Margin 0.21% above tier average
  • + Strong member growth: 6.9% YoY
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + First Mortgage Concentration (%): Top 0.0% in tier
  • + Share Certificate Concentration (%): Top 0.0% in tier
  • + Net Worth Ratio: Top 1.4% in tier
  • + Member Growth Rate: Top 4.3% in tier
  • + Net Charge-Off Rate: Top 8.1% in tier
  • + Deposit Growth Rate: Top 8.6% in tier

Key Concerns

Areas that may need attention

  • - ROA 0.54% below tier average
  • - Efficiency ratio 15.57% above tier (higher cost structure)
  • - Delinquency rate 5.23% above tier average
  • - Loan Growth Rate: Bottom 1.2% in tier
  • - Total Loans: Bottom 2.4% in tier
  • - Total Deposits: Bottom 2.8% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 2.9% in tier
  • - Total Members: Bottom 3.1% in tier
  • - Fee Income Per Member: Bottom 3.3% in tier
  • - Total Assets: Bottom 3.7% in tier
  • - Total Delinquency Rate (60+ days): Bottom 3.7% in tier
  • - Average Member Relationship (AMR): Bottom 3.8% in tier
  • - Loan-to-Share Ratio: Bottom 4.3% in tier
  • - AMR Growth Rate: Bottom 4.3% in tier
  • - Members Per Employee (MPE): Bottom 4.7% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Members 154
+6.9% YoY+2.7% QoQ
 -2.5K 2,615
-1.9% YoY
 9,309
+1.0% YoY
 33,374
+5.7% YoY
 Bottom 3.0% in tier
Assets $616,686
+5.2% YoY+0.9% QoQ
 $-29.5M $30.1M
+2.1% YoY
 $122.7M
+4.8% YoY
 $561.6M
+9.7% YoY
 Bottom 3.6% in tier
Loans $63,999
-48.0% YoY-17.2% QoQ
 $-15.7M $15.8M
-1.3% YoY
 $87.2M
+3.5% YoY
 $397.0M
+8.8% YoY
 Bottom 2.3% in tier
Deposits $336,438
+10.7% YoY+2.9% QoQ
 $-25.4M $25.7M
+1.4% YoY
 $104.9M
+5.6% YoY
 $477.3M
+9.7% YoY
 Bottom 2.8% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA 0.1%
-92.2% YoY-75.9% QoQ
 -0.5% 0.6%
+10.8% YoY
 0.3%
+12.6% YoY
 0.7%
+15.9% YoY
 20%
NIM 4.2%
-22.8% YoY-8.5% QoQ
 +0.2% 4.0%
+4.0% YoY
 4.2%
+2.9% YoY
 3.8%
+5.1% YoY
 61%
Efficiency Ratio 98.1%
+20.4% YoY+5.6% QoQ
 +15.6% 82.6%
-2.3% YoY
 85.6%
-13.2% YoY
 79.7%
-3.3% YoY
 Top 13.2% in tier
Delinquency Rate 6.8%
+17.4% YoY+114.6% QoQ
 +5.2 1.6%
-3.1% YoY
 1.9%
-8.2% YoY
 1.3%
-2.1% YoY
 Top 3.7% in tier
Loan To Share 19.0%
-53.0% YoY-19.5% QoQ
 -41.6% 60.6%
-3.1% YoY
 71.2%
-2.0% YoY
 67.4%
-1.7% YoY
 Bottom 4.1% in tier
AMR $2,600
-12.3% YoY-3.5% QoQ
 $-12K $14,783
-1.4% YoY
 $13,375
+3.1% YoY
 $19,687
+2.0% YoY
 Bottom 3.7% 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)

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)

Comparing against 2556 peers in tier

Top Strengths (7 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 2556 Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 2556 Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 2556 Top 0.0% in <100M tier
37
Net Worth Ratio
risk
Value: 44.79%
Peer Median: -
#37 of 2556 Top 1.4% in <100M tier
111
Member Growth Rate
growth
Value: 6.94%
Peer Median: -
#111 of 2556 Top 4.3% in <100M tier
208
Net Charge-Off Rate
risk
Value: 0.00%
Peer Median: -
#208 of 2556 Top 8.1% in <100M tier
222
Deposit Growth Rate
growth
Value: 10.67%
Peer Median: -
#222 of 2556 Top 8.6% in <100M tier

Top Weaknesses (14 metrics)

2526
Loan Growth Rate
growth
Value: -47.96%
Peer Median: -
#2526 of 2556 Bottom 1.2% in <100M tier
2496
Total Loans
balance_sheet
Value: $63,999
Peer Median: -
#2496 of 2556 Bottom 2.4% in <100M tier
2485
Total Deposits
balance_sheet
Value: $336,438
Peer Median: -
#2485 of 2556 Bottom 2.8% in <100M tier
2483
Loan-to-Member Ratio (LMR)
engagement
Value: $415.58
Peer Median: -
#2483 of 2556 Bottom 2.9% in <100M tier
2477
Total Members
engagement
Value: 154
Peer Median: -
#2477 of 2556 Bottom 3.1% in <100M tier
2473
Fee Income Per Member
profitability
Value: $0.00
Peer Median: -
#2473 of 2556 Bottom 3.3% in <100M tier
2463
Total Assets
balance_sheet
Value: $616,686
Peer Median: -
#2463 of 2556 Bottom 3.7% in <100M tier
2462
Total Delinquency Rate (60+ days)
risk
Value: 6.78%
Peer Median: -
#2462 of 2556 Bottom 3.7% in <100M tier
2461
Average Member Relationship (AMR)
engagement
Value: $2,600
Peer Median: -
#2461 of 2556 Bottom 3.8% in <100M tier
2448
Loan-to-Share Ratio
balance_sheet
Value: 19.02%
Peer Median: -
#2448 of 2556 Bottom 4.3% in <100M tier
Link copied to clipboard!