BlastPoint's Credit Union Scorecard
MUNICIPAL EMPLOYEES
Charter #10011 · LA
2596 CUs in <100M nationally
108 in LA
MUNICIPAL EMPLOYEES has 6 strengths but faces 14 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.62% 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
- + Net Worth Ratio: Top 1.3% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.36% below tier average
- - Efficiency ratio 11.52% above tier (higher cost structure)
- - Delinquency rate 1.65% above tier average
- - Member decline: -2.6% YoY
- - Loan Growth Rate: Bottom 1.8% in tier
- - Total Loans: Bottom 2.7% in tier
- - Total Deposits: Bottom 2.7% in tier
- - Total Members: Bottom 3.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.7% in tier
- - Fee Income Per Member: Bottom 3.9% in tier
- - Total Assets: Bottom 3.9% in tier
- - Average Member Relationship (AMR): Bottom 4.2% in tier
- - Members Per Employee (MPE): Bottom 4.7% in tier
- - Loan-to-Share Ratio: Bottom 6.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
150
-2.6% YoY+1.4% QoQ
|
-2.5K |
2,625
-2.2% YoY
|
9,352
+2.6% YoY
|
33,089
+6.1% YoY
|
Bottom 2.9% in tier |
| Assets |
$611,486
+1.7% YoY+2.6% QoQ
|
$-29.2M |
$29.9M
+1.1% YoY
|
$121.4M
+4.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 3.9% in tier |
| Loans |
$77,279
-37.0% YoY-12.6% QoQ
|
$-15.7M |
$15.8M
-2.4% YoY
|
$86.9M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 2.6% in tier |
| Deposits |
$327,037
+2.1% YoY+5.3% QoQ
|
$-25.1M |
$25.5M
+0.4% YoY
|
$103.9M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 2.7% in tier |
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| ROA |
0.3%
-76.8% YoY-67.7% QoQ
|
-0.4% |
0.7%
-731.4% YoY
|
0.5%
+1.1% YoY
|
0.7%
+273.4% YoY
|
29% |
| NIM |
4.5%
-14.1% YoY-7.6% QoQ
|
+0.6% |
3.9%
+3.8% YoY
|
4.3%
+3.2% YoY
|
3.7%
+5.0% YoY
|
74% |
| Efficiency Ratio |
92.9%
+25.9% YoY+16.6% QoQ
|
+11.5% |
81.4%
-2.4% YoY
|
82.9%
-3.6% YoY
|
79.1%
-3.3% YoY
|
81% |
| Delinquency Rate |
3.2%
-45.4% YoY+14.4% QoQ
|
+1.7 |
1.5%
-2.0% YoY
|
1.8%
-12.2% YoY
|
1.2%
-0.9% YoY
|
Top 11.2% in tier |
| Loan To Share |
23.6%
-38.3% YoY-17.0% QoQ
|
-37.6% |
61.2%
-3.0% YoY
|
70.9%
-2.6% YoY
|
68.0%
-1.7% YoY
|
Bottom 6.1% in tier |
| AMR |
$2,695
-6.3% YoY-0.0% QoQ
|
$-12K |
$14,627
-2.7% YoY
|
$13,297
+2.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 4.2% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
15.0%
+9.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.3%
+10.6% YoY
|
7.9%
-2.9% YoY
|
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 (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
36
Net Worth Ratio
risk
Value:
45.33%
Peer Avg: -
#36 of 2596
Top 1.3% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
Top Weaknesses (13 metrics)
2549
Loan Growth Rate
growth
Value:
-37.03%
Peer Avg: -
#2549 of 2596
Bottom 1.8% in <100M tier
2528
Total Loans
balance_sheet
Value:
$77,279
Peer Avg: -
#2528 of 2596
Bottom 2.7% in <100M tier
2526
Total Deposits
balance_sheet
Value:
$327,037
Peer Avg: -
#2526 of 2596
Bottom 2.7% in <100M tier
2518
Total Members
engagement
Value:
150
Peer Avg: -
#2518 of 2596
Bottom 3.0% in <100M tier
2500
Loan-to-Member Ratio (LMR)
engagement
Value:
$515.19
Peer Avg: -
#2500 of 2596
Bottom 3.7% in <100M tier
2495
Fee Income Per Member
profitability
Value:
$0.00
Peer Avg: -
#2495 of 2596
Bottom 3.9% in <100M tier
2495
Total Assets
balance_sheet
Value:
$611,486
Peer Avg: -
#2495 of 2596
Bottom 3.9% in <100M tier
2487
Average Member Relationship (AMR)
engagement
Value:
$2,695
Peer Avg: -
#2487 of 2596
Bottom 4.2% in <100M tier
2474
Members Per Employee (MPE)
engagement
Value:
75.000
Peer Avg: -
#2474 of 2596
Bottom 4.7% in <100M tier
2434
Loan-to-Share Ratio
balance_sheet
Value:
23.63%
Peer Avg: -
#2434 of 2596
Bottom 6.3% in <100M tier