BlastPoint's Credit Union Scorecard

HEART OF LOUISIANA

Charter #10164 · LA

1069 CUs in 100M-500M nationally 21 in LA

HEART OF LOUISIANA has 6 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 30.7% in tier
+ ROA 0.20% above tier average
+ Net Interest Margin 1.02% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Share Certificate Concentration (%): Top 2.0% in tier
+ Net Worth Ratio: Top 8.6% in tier

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 41.0% in tier
- Liquidity Overhang: Bottom 62.7% in tier
- Efficiency Drag: Bottom 76.0% in tier
- Membership Headwinds: Bottom 91.9% in tier
- Stagnation Risk: Bottom 98.7% in tier
- Efficiency ratio 4.11% above tier (higher cost structure)
- Average Member Relationship (AMR): Bottom 2.2% in tier
- Loan-to-Member Ratio (LMR): Bottom 4.6% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Members	16,347 -0.8% YoY-0.3% QoQ	+909	15,437 -2.9% YoY	9,309 +1.0% YoY	33,374 +5.7% YoY	64%
Assets	$141.5M +6.9% YoY+2.3% QoQ	$-90.4M	$231.9M +1.3% YoY	$122.7M +4.8% YoY	$561.6M +9.7% YoY	26%
Loans	$77.7M +10.8% YoY+4.5% QoQ	$-69.7M	$147.3M -0.1% YoY	$87.2M +3.5% YoY	$397.0M +8.8% YoY	21%
Deposits	$118.6M +7.5% YoY+2.4% QoQ	$-82.3M	$200.8M +0.8% YoY	$104.9M +5.6% YoY	$477.3M +9.7% YoY	24%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.0% -27.4% YoY+2.8% QoQ	+0.2%	0.8% +18.2% YoY	0.3% +12.6% YoY	0.7% +15.9% YoY	65%
NIM	4.6% -3.1% YoY+0.4% QoQ	+1.0%	3.6% +6.7% YoY	4.2% +2.9% YoY	3.8% +5.1% YoY	Top 7.4% in tier
Efficiency Ratio	81.1% +3.3% YoY-0.5% QoQ	+4.1%	77.0% -3.1% YoY	85.6% -13.2% YoY	79.7% -3.3% YoY	64%
Delinquency Rate	0.4% -33.5% YoY-5.0% QoQ	-0.5	0.9% +4.2% YoY	1.9% -8.2% YoY	1.3% -2.1% YoY	24%
Loan To Share	65.5% +3.0% YoY+2.0% QoQ	-6.7%	72.2% -1.1% YoY	71.2% -2.0% YoY	67.4% -1.7% YoY	33%
AMR	$12,004 +9.7% YoY+3.5% QoQ	$-13K	$24,676 +3.4% YoY	$13,375 +3.1% YoY	$19,687 +2.0% YoY	Bottom 2.1% in tier
CD Concentration	1.3% -62.7% YoY-37.2% QoQ	-23.1%	24.4%	15.2%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	5.0%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#158 of 513 • Top 30.7% in tier

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

Why This Signature

AMR Growth (YoY): 9.65%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (5)

Margin Compression

decline

#51 of 123 • Bottom 41.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.96%

(Tier: 0.75%, National: 0.67%)

but better than tier avg

ROA (Prior Year): 1.32%

(Tier: 0.63%, National: 0.62%)

but better than tier avg

ROA Change (YoY): -0.36% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

123 of 1069 Mid-Small & Community CUs have this signature | 145 nationally

→ No prior data (123 CUs now) | New qualifier

Liquidity Overhang

risk

#85 of 135 • Bottom 62.7% in tier

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

Why This Signature

Net Worth Ratio: 16.67%

(Tier: 11.97%, National: 14.49%)

but better than tier avg

Loan-to-Share Ratio: 65.52%

(Tier: 74.08%, National: 67.44%)

worse than tier avg

135 of 1069 Mid-Small & Community CUs have this signature | 155 nationally

↑ Growing +17 CUs YoY | Rank worsening

Efficiency Drag

risk

#409 of 538 • Bottom 76.0% in tier

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

Why This Signature

Efficiency Ratio: 81.12%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.36% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -0.81%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | New qualifier

Membership Headwinds

decline

#509 of 554 • Bottom 91.9% in tier

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

Why This Signature

Member Growth (YoY): -0.81%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#547 of 554 • Bottom 98.7% 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): -0.81%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 10.76%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Rate: 0.41%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 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 1069 peers in tier

Top Strengths (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 1.30%

Peer Median: -

#22 of 1069 Top 2.0% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.63%

Peer Median: -

#79 of 1069 Top 7.3% in 100M-500M tier

Net Worth Ratio

risk

Value: 16.67%

Peer Median: -

#93 of 1069 Top 8.6% in 100M-500M tier

127

AMR Growth Rate

growth

Value: 9.65%

Peer Median: -

#127 of 1069 Top 11.8% in 100M-500M tier

150

Loan Growth Rate

growth

Value: 10.76%

Peer Median: -

#150 of 1069 Top 13.9% in 100M-500M tier

202

First Mortgage Concentration (%)

balance_sheet

Value: 14.22%

Peer Median: -

#202 of 1069 Top 18.8% in 100M-500M tier

250

Deposit Growth Rate

growth

Value: 7.50%

Peer Median: -

#250 of 1069 Top 23.3% in 100M-500M tier

257

Total Delinquency Rate (60+ days)

risk

Value: 0.41%

Peer Median: -

#257 of 1069 Top 23.9% in 100M-500M tier

Top Weaknesses (4 metrics)

1047

Average Member Relationship (AMR)

engagement

Value: $12,004

Peer Median: -

#1047 of 1069 Bottom 2.2% in 100M-500M tier

1021

Loan-to-Member Ratio (LMR)

engagement

Value: $4,752

Peer Median: -

#1021 of 1069 Bottom 4.6% in 100M-500M tier

848

Total Loans

balance_sheet

Value: $77.67M

Peer Median: -

#848 of 1069 Bottom 20.8% in 100M-500M tier

814

Total Deposits

balance_sheet

Value: $118.55M

Peer Median: -

#814 of 1069 Bottom 23.9% in 100M-500M tier