BlastPoint's Credit Union Scorecard

OUACHITA VALLEY

Charter #10181 · LA

100M-500M

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

OUACHITA VALLEY has 8 strengths but faces 3 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
+ ROA 0.68% above tier average
+ Total Deposits: Top 1.9% in tier
+ Total Members: Top 2.2% in tier
+ Fee Income Per Member: Top 3.2% in tier
+ Total Assets: Top 3.2% in tier
+ Deposit Growth Rate: Top 5.9% in tier
+ Total Loans: Top 6.3% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Members	36,568 +1.7% YoY+0.3% QoQ	+21.4K	15,145 -2.5% YoY	9,512 +2.6% YoY	33,913 +5.7% YoY	Top 2.3% in tier
Assets	$462.0M +11.2% YoY+4.0% QoQ	+$230.3M	$231.7M +0.8% YoY	$128.1M +5.9% YoY	$578.3M +9.0% YoY	Top 3.3% in tier
Loans	$293.2M +7.0% YoY+0.3% QoQ	+$149.1M	$144.1M +0.2% YoY	$89.6M +5.7% YoY	$402.4M +8.7% YoY	Top 6.4% in tier
Deposits	$417.9M +11.4% YoY+3.5% QoQ	+$216.8M	$201.1M +0.4% YoY	$109.6M +6.0% YoY	$494.3M +9.1% YoY	Top 2.0% in tier

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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	1.4% +55.9% YoY-3.0% QoQ	+0.7%	0.7% +5.1% YoY	0.1% -79.1% YoY	0.4% -39.2% YoY	Top 13.4% in tier
NIM	3.6% +1.6% YoY+1.4% QoQ	+0.0%	3.6% +4.6% YoY	4.2% -0.4% YoY	3.8% +4.1% YoY	49%
Efficiency Ratio	71.9% -7.2% YoY+5.2% QoQ	-6.1%	78.0% -1.7% YoY	88.0% +2.9% YoY	84.6% +2.8% YoY	28%
Delinquency Rate	0.7% +2.4% YoY-3.4% QoQ	+0.0	0.8% +7.1% YoY	1.7% -21.7% YoY	1.2% +3.4% YoY	60%
Loan To Share	70.2% -4.0% YoY-3.1% QoQ	-0.3%	70.4% -0.4% YoY	68.2% -2.4% YoY	65.6% -1.4% YoY	47%
AMR	$19,447 +7.7% YoY+1.8% QoQ	$-5K	$24,918 +2.7% YoY	$13,483 +2.5% YoY	$19,920 +1.6% YoY	29%
CD Concentration	33.7% +6.2% YoY-3.0% QoQ	+9.4%	24.3%	14.9%	19.8%	50%
Indirect Auto %	15.9% -7.7% YoY+0.1% QoQ	+2.1%	13.8%	5.1%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#227 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): 7.67%

(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 (3)

Indirect Auto Dependency

risk

#307 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 11.22%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 15.91%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 1.74%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Credit Risk Growth

risk

#374 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): 6.95%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.02% points

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

but better 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

#676 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): 0.02% points

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

but better than tier avg

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

↓ Shrinking -60 CUs YoY | Rank improving

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 (10 metrics)

Total Deposits

balance_sheet

Value: $417.92M

Peer Median: $171.29M

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

Total Members

engagement

Value: 36,568

Peer Median: 13,200

#25 of 1070 Top 2.2% in 100M-500M tier

Fee Income Per Member

profitability

Value: $321.82

Peer Median: $154.95

#35 of 1070 Top 3.2% in 100M-500M tier

Total Assets

balance_sheet

Value: $462.03M

Peer Median: $196.57M

#35 of 1070 Top 3.2% in 100M-500M tier

Deposit Growth Rate

growth

Value: 11.44%

Peer Median: 3.30%

#64 of 1070 Top 5.9% in 100M-500M tier

Total Loans

balance_sheet

Value: $293.23M

Peer Median: $121.41M

#68 of 1070 Top 6.3% in 100M-500M tier

Asset Growth Rate

growth

Value: 11.22%

Peer Median: 3.91%

#76 of 1070 Top 7.0% in 100M-500M tier

117

First Mortgage Concentration (%)

balance_sheet

Value: 8.65%

Peer Median: 29.47%

#117 of 1070 Top 10.8% in 100M-500M tier

143

Return on Assets (ROA)

profitability

Value: 1.40%

Peer Median: 0.69%

#143 of 1070 Top 13.3% in 100M-500M tier

177

AMR Growth Rate

growth

Value: 7.67%

Peer Median: 3.46%

#177 of 1070 Top 16.4% in 100M-500M tier

Top Weaknesses (2 metrics)

874

Share Certificate Concentration (%)

balance_sheet

Value: 33.68%

Peer Median: 23.10%

#874 of 1070 Bottom 18.4% in 100M-500M tier

822

Net Charge-Off Rate

risk

Value: 0.68%

Peer Median: 0.35%

#822 of 1070 Bottom 23.3% in 100M-500M tier