BlastPoint's Credit Union Scorecard

HEART OF LOUISIANA

Charter #10164 · LA

100M-500M

1024 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 0.81% above tier average
+ Share Certificate Concentration (%): Top 2.1% in tier
+ Net Worth Ratio: Top 9.3% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: 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 0.39% below tier average
- Efficiency ratio 8.36% above tier (higher cost structure)
- Average Member Relationship (AMR): Bottom 1.9% in tier
- Loan-to-Member Ratio (LMR): Bottom 5.1% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 21 that size in Louisiana.
Shares and deposits +2.6% year over year ($120M in shares and deposits).
Membership: 16,455 members, -0.9% vs a year ago.
Delinquency rate 0.35%.
Return on assets 0.47%.
Efficiency ratio 85.09% vs a 76.73% peer average.
Loan-to-share ratio 67.12% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Members	16,455 -0.9% YoY+0.3% QoQ	+1.3K	15,168 -2.6% YoY	9,550 +2.7% YoY	34,678 +6.6% YoY	65%
Assets	$143.2M +2.4% YoY-2.2% QoQ	$-88.8M	$232.0M +0.7% YoY	$130.2M +7.1% YoY	$593.1M +10.2% YoY	27%
Loans	$80.9M +9.5% YoY+2.7% QoQ	$-65.4M	$146.3M +0.2% YoY	$92.6M +7.3% YoY	$418.6M +10.1% YoY	24%
Deposits	$120.5M +2.6% YoY-2.3% QoQ	$-80.2M	$200.7M +0.2% YoY	$111.6M +7.6% YoY	$504.8M +10.3% YoY	24%

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	0.5% -36.8% YoY+23.6% QoQ	-0.4%	0.9% +12.5% YoY	1.1% +258.0% YoY	1.2% +121.4% YoY	26%
NIM	4.5% -1.3% YoY+3.3% QoQ	+0.8%	3.7% +4.5% YoY	4.2% -0.2% YoY	3.8% +2.3% YoY	Top 10.9% in tier
Efficiency Ratio	85.1% +3.9% YoY-2.8% QoQ	+8.4%	76.7% -0.8% YoY	89.3% +0.7% YoY	83.0% -5.3% YoY	77%
Delinquency Rate	0.3% -23.4% YoY-16.4% QoQ	-0.5	0.9% +6.6% YoY	2.0% +21.9% YoY	1.3% +2.6% YoY	23%
Loan To Share	67.1% +6.8% YoY+5.1% QoQ	-4.4%	71.5% -0.3% YoY	68.1% -2.7% YoY	66.4% -1.4% YoY	38%
AMR	$12,237 +6.2% YoY-0.6% QoQ	$-13K	$25,107 +3.2% YoY	$13,536 +2.7% YoY	$20,028 -0.9% YoY	Bottom 1.8% in tier
CD Concentration	1.3% -59.2% YoY+1.1% QoQ	-23.3%	24.6%	15.1%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	5.1%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#363 of 483 • 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): 6.19%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | Rank worsening

Concerns (4)

Efficiency Drag

risk

#210 of 531 • 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: 85.09%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.28% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): -0.90%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank improving

Liquidity Overhang

risk

#89 of 130 • 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: 16.71%

(Tier: 12.53%, National: 14.66%)

but better than tier avg

Loan-to-Share Ratio: 67.12%

(Tier: 73.56%, National: 66.39%)

worse than tier avg

130 of 1024 Mid-Small & Community CUs have this signature | 148 nationally

↑ Growing +7 CUs YoY | Rank worsening

Membership Headwinds

decline

#472 of 549 • 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): -0.90%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Stagnation Risk

risk

#541 of 549 • 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): -0.90%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 9.49%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Rate: 0.35%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank worsening

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 1024 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 1.25%

Peer Median: 23.39%

#23 of 1024 Top 2.1% in 100M-500M tier

Net Worth Ratio

risk

Value: 16.71%

Peer Median: 11.71%

#96 of 1024 Top 9.3% in 100M-500M tier

112

Net Interest Margin (NIM)

profitability

Value: 4.49%

Peer Median: 3.67%

#112 of 1024 Top 10.8% in 100M-500M tier

159

First Mortgage Concentration (%)

balance_sheet

Value: 12.30%

Peer Median: 29.92%

#159 of 1024 Top 15.4% in 100M-500M tier

178

Loan Growth Rate

growth

Value: 9.49%

Peer Median: 3.02%

#178 of 1024 Top 17.3% in 100M-500M tier

232

Total Delinquency Rate (60+ days)

risk

Value: 0.35%

Peer Median: 0.71%

#232 of 1024 Top 22.6% in 100M-500M tier

Top Weaknesses (5 metrics)

1006

Average Member Relationship (AMR)

engagement

Value: $12,237

Peer Median: $23,006

#1006 of 1024 Bottom 1.9% in 100M-500M tier

973

Loan-to-Member Ratio (LMR)

engagement

Value: $4,915

Peer Median: $9,434

#973 of 1024 Bottom 5.1% in 100M-500M tier

785

Efficiency Ratio

profitability

Value: 85.09%

Peer Median: 77.26%

#785 of 1024 Bottom 23.4% in 100M-500M tier

776

Total Loans

balance_sheet

Value: $80.87M

Peer Median: $124.04M

#776 of 1024 Bottom 24.3% in 100M-500M tier

773

Total Deposits

balance_sheet

Value: $120.49M

Peer Median: $170.77M

#773 of 1024 Bottom 24.6% in 100M-500M tier