BlastPoint's Credit Union Scorecard

HEART OF LOUISIANA

Charter #10164 · LA

100M-500M

1070 CUs in 100M-500M nationally 21 in LA

HEART OF LOUISIANA has 4 strengths but faces 8 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

+ Wallet Share Momentum: Top 50.0% in tier
+ Net Interest Margin 0.72% above tier average
+ Share Certificate Concentration (%): Top 1.9% in tier
+ Net Worth Ratio: Top 9.7% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- ROA 0.35% below tier average
- Efficiency ratio 9.55% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Members	16,407 -0.7% YoY+0.4% QoQ	+1.3K	15,145 -2.5% YoY	9,512 +2.6% YoY	33,913 +5.7% YoY	65%
Assets	$146.4M +4.9% YoY+3.5% QoQ	$-85.3M	$231.7M +0.8% YoY	$128.1M +5.9% YoY	$578.3M +9.0% YoY	29%
Loans	$78.8M +10.3% YoY+1.4% QoQ	$-65.4M	$144.1M +0.2% YoY	$89.6M +5.7% YoY	$402.4M +8.7% YoY	24%
Deposits	$123.3M +4.5% YoY+4.0% QoQ	$-77.8M	$201.1M +0.4% YoY	$109.6M +6.0% YoY	$494.3M +9.1% YoY	27%

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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	0.4% -61.7% YoY-60.2% QoQ	-0.3%	0.7% +5.1% YoY	0.1% -79.1% YoY	0.4% -39.2% YoY	28%
NIM	4.3% -4.4% YoY-6.1% QoQ	+0.7%	3.6% +4.6% YoY	4.2% -0.4% YoY	3.8% +4.1% YoY	Top 13.3% in tier
Efficiency Ratio	87.6% +5.1% YoY+7.9% QoQ	+9.5%	78.0% -1.7% YoY	88.0% +2.9% YoY	84.6% +2.8% YoY	79%
Delinquency Rate	0.4% +24.8% YoY+1.1% QoQ	-0.4	0.8% +7.1% YoY	1.7% -21.7% YoY	1.2% +3.4% YoY	33%
Loan To Share	63.9% +5.5% YoY-2.5% QoQ	-6.5%	70.4% -0.4% YoY	68.2% -2.4% YoY	65.6% -1.4% YoY	34%
AMR	$12,315 +7.4% YoY+2.6% QoQ	$-13K	$24,918 +2.7% YoY	$13,483 +2.5% YoY	$19,920 +1.6% YoY	Bottom 2.2% in tier
CD Concentration	1.2% -59.4% YoY-4.9% QoQ	-23.0%	24.3%	14.9%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	5.1%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#240 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 7.43%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | Rank improving

Concerns (6)

Efficiency Drag

risk

#267 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 87.57%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.62% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -0.70%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Credit Risk Growth

risk

#215 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 10.26%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.08% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#526 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.08% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Liquidity Overhang

risk

#92 of 126 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 16.21%

(Tier: 11.91%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 63.89%

(Tier: 72.31%, National: 65.58%)

worse than tier avg

126 of 1070 Mid-Small & Community CUs have this signature | 143 nationally

↑ Growing +19 CUs YoY | Rank worsening

Membership Headwinds

decline

#543 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -0.70%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#558 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.70%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 10.26%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.42%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

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 1070 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 1.24%

Peer Median: 23.10%

#21 of 1070 Top 1.9% in 100M-500M tier

105

Net Worth Ratio

risk

Value: 16.21%

Peer Median: 11.45%

#105 of 1070 Top 9.7% in 100M-500M tier

142

Net Interest Margin (NIM)

profitability

Value: 4.35%

Peer Median: 3.62%

#142 of 1070 Top 13.2% in 100M-500M tier

170

Loan Growth Rate

growth

Value: 10.26%

Peer Median: 2.93%

#170 of 1070 Top 15.8% in 100M-500M tier

188

AMR Growth Rate

growth

Value: 7.43%

Peer Median: 3.46%

#188 of 1070 Top 17.5% in 100M-500M tier

191

First Mortgage Concentration (%)

balance_sheet

Value: 13.61%

Peer Median: 29.47%

#191 of 1070 Top 17.8% in 100M-500M tier

Top Weaknesses (4 metrics)

1046

Average Member Relationship (AMR)

engagement

Value: $12,315

Peer Median: $22,931

#1046 of 1070 Bottom 2.3% in 100M-500M tier

1016

Loan-to-Member Ratio (LMR)

engagement

Value: $4,801

Peer Median: $9,356

#1016 of 1070 Bottom 5.1% in 100M-500M tier

843

Efficiency Ratio

profitability

Value: 87.57%

Peer Median: 78.68%

#843 of 1070 Bottom 21.3% in 100M-500M tier

815

Total Loans

balance_sheet

Value: $78.77M

Peer Median: $121.41M

#815 of 1070 Bottom 23.9% in 100M-500M tier