BlastPoint's Credit Union Scorecard
MUNICIPAL EMPLOYEES
Charter #10011 · LA
<100M
2508 CUs in <100M nationally
107 in LA
MUNICIPAL EMPLOYEES has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Worth Ratio: Top 1.6% in tier
- + Deposit Growth Rate: Top 2.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.19% below tier average
- - Efficiency ratio 50.12% above tier (higher cost structure)
- - Delinquency rate 7.13% above tier average
- - Loan Growth Rate: Bottom 1.0% in tier
- - Total Loans: Bottom 2.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 2.8% in tier
- - Total Deposits: Bottom 3.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
154
+1.3% YoY0% QoQ
|
-2.5K |
2,676
+1.6% YoY
|
9,512
+2.6% YoY
|
33,913
+5.7% YoY
|
Bottom 3.1% in tier |
| Assets |
$634,755
+8.5% YoY+2.9% QoQ
|
$-29.6M |
$30.2M
+1.3% YoY
|
$128.1M
+5.9% YoY
|
$578.3M
+9.0% YoY
|
Bottom 3.7% in tier |
| Loans |
$53,868
-52.1% YoY-15.8% QoQ
|
$-15.2M |
$15.3M
-2.0% YoY
|
$89.6M
+5.7% YoY
|
$402.4M
+8.7% YoY
|
Bottom 2.2% in tier |
| Deposits |
$354,727
+17.9% YoY+5.4% QoQ
|
$-25.4M |
$25.8M
+0.7% YoY
|
$109.6M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 2.9% 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
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-1.0%
-179.4% YoY-1440.7% QoQ
|
-1.2% |
0.1%
-77.6% YoY
|
0.1%
-79.1% YoY
|
0.4%
-39.2% YoY
|
Bottom 8.1% in tier |
| NIM |
2.6%
-51.8% YoY-38.4% QoQ
|
-1.4% |
4.0%
+4.0% YoY
|
4.2%
-0.4% YoY
|
3.8%
+4.1% YoY
|
Bottom 8.8% in tier |
| Efficiency Ratio |
140.7%
+87.0% YoY+43.4% QoQ
|
+50.1% |
90.6%
+6.5% YoY
|
88.0%
+2.9% YoY
|
84.6%
+2.8% YoY
|
Bottom 3.5% in tier |
| Delinquency Rate |
8.6%
+235.6% YoY+27.3% QoQ
|
+7.1 |
1.5%
+3.8% YoY
|
1.7%
-21.7% YoY
|
1.2%
+3.4% YoY
|
Bottom 2.8% in tier |
| Loan To Share |
15.2%
-59.4% YoY-20.2% QoQ
|
-43.3% |
58.5%
-3.0% YoY
|
68.2%
-2.4% YoY
|
65.6%
-1.4% YoY
|
Bottom 3.0% in tier |
| AMR |
$2,653
-2.4% YoY+2.0% QoQ
|
$-12K |
$14,884
-1.7% YoY
|
$13,483
+2.5% YoY
|
$19,920
+1.6% YoY
|
Bottom 3.8% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 14.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.1% | 7.7% | 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)
Top Strengths (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
41
Net Worth Ratio
risk
Value:
43.43%
Peer Median: 14.28%
#41 of 2508
Top 1.6% in <100M tier
51
Deposit Growth Rate
growth
Value:
17.95%
Peer Median: 0.66%
#51 of 2508
Top 2.0% in <100M tier
252
Asset Growth Rate
growth
Value:
8.50%
Peer Median: 1.30%
#252 of 2508
Top 10.0% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
532
Member Growth Rate
growth
Value:
1.32%
Peer Median: -1.37%
#532 of 2508
Top 21.2% in <100M tier
Top Weaknesses (14 metrics)
2483
Loan Growth Rate
growth
Value:
-52.11%
Peer Median: -2.36%
#2483 of 2508
Bottom 1.0% in <100M tier
2453
Total Loans
balance_sheet
Value:
$53,868
Peer Median: $9.48M
#2453 of 2508
Bottom 2.2% in <100M tier
2445
Loan-to-Member Ratio (LMR)
engagement
Value:
$349.79
Peer Median: $4,923
#2445 of 2508
Bottom 2.6% in <100M tier
2438
Total Delinquency Rate (60+ days)
risk
Value:
8.63%
Peer Median: 0.65%
#2438 of 2508
Bottom 2.8% in <100M tier
2435
Total Deposits
balance_sheet
Value:
$354,727
Peer Median: $18.77M
#2435 of 2508
Bottom 3.0% in <100M tier
2431
Loan-to-Share Ratio
balance_sheet
Value:
15.19%
Peer Median: 58.72%
#2431 of 2508
Bottom 3.1% in <100M tier
2429
Total Members
engagement
Value:
154
Peer Median: 1,918
#2429 of 2508
Bottom 3.2% in <100M tier
2421
Efficiency Ratio
profitability
Value:
140.75%
Peer Median: 81.45%
#2421 of 2508
Bottom 3.5% in <100M tier
2414
Total Assets
balance_sheet
Value:
$634,755
Peer Median: $21.86M
#2414 of 2508
Bottom 3.8% in <100M tier
2413
Average Member Relationship (AMR)
engagement
Value:
$2,653
Peer Median: $13,926
#2413 of 2508
Bottom 3.8% in <100M tier