BlastPoint's Credit Union Scorecard
HEART OF LOUISIANA
Charter #10164 · LA
HEART OF LOUISIANA has 6 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 69.6% in tier
- + ROA 0.15% above tier average
- + Net Interest Margin 1.03% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 2.2% in tier
- + Net Worth Ratio: Top 7.5% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 20.8% in tier
- - Efficiency Drag: Bottom 21.7% in tier
- - Stagnation Risk: Bottom 29.1% in tier
- - Membership Headwinds: Bottom 30.2% in tier
- - Liquidity Overhang: Bottom 56.4% in tier
- - Efficiency ratio 4.21% above tier (higher cost structure)
- - Average Member Relationship (AMR): Bottom 1.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
16,391
-0.8% YoY-1.3% QoQ
|
+762 |
15,628
-3.4% YoY
|
9,352
+2.6% YoY
|
33,089
+6.1% YoY
|
63% |
| Assets |
$138.3M
+4.1% YoY-1.1% QoQ
|
$-93.0M |
$231.3M
-0.0% YoY
|
$121.4M
+4.9% YoY
|
$547.7M
+7.8% YoY
|
25% |
| Loans |
$74.4M
+8.8% YoY+0.7% QoQ
|
$-73.4M |
$147.8M
-1.4% YoY
|
$86.9M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
19% |
| Deposits |
$115.7M
+3.4% YoY-1.5% QoQ
|
$-84.5M |
$200.3M
-0.0% YoY
|
$103.9M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
22% |
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| ROA |
0.9%
-26.0% YoY+25.0% QoQ
|
+0.1% |
0.8%
+15.5% YoY
|
0.5%
+1.1% YoY
|
0.7%
+273.4% YoY
|
62% |
| NIM |
4.6%
-2.7% YoY+1.4% QoQ
|
+1.0% |
3.6%
+6.9% YoY
|
4.3%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Top 7.2% in tier |
| Efficiency Ratio |
81.5%
+4.6% YoY-0.5% QoQ
|
+4.2% |
77.3%
-3.0% YoY
|
82.9%
-3.6% YoY
|
79.1%
-3.3% YoY
|
65% |
| Delinquency Rate |
0.4%
-62.7% YoY-4.5% QoQ
|
-0.4 |
0.9%
+7.6% YoY
|
1.8%
-12.2% YoY
|
1.2%
-0.9% YoY
|
31% |
| Loan To Share |
64.2%
+5.2% YoY+2.2% QoQ
|
-8.5% |
72.7%
-1.5% YoY
|
70.9%
-2.6% YoY
|
68.0%
-1.7% YoY
|
30% |
| AMR |
$11,597
+6.3% YoY+0.6% QoQ
|
$-13K |
$24,363
+2.9% YoY
|
$13,297
+2.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 1.2% in tier |
| CD Concentration |
2.1%
-39.8% YoY-32.4% QoQ
|
-22.3% |
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 (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
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)