BlastPoint's Credit Union Scorecard

OUACHITA VALLEY

Charter #10181 · LA

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

OUACHITA VALLEY has 11 strengths but faces 1 concern

National Analysis

How does the industry compare?

LA Analysis

How does LA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 24.6% in tier
+ Organic Growth Leader: Top 48.5% in tier
+ Wallet Share Momentum: Top 50.8% in tier
+ ROA 0.68% above tier average
+ Fee Income Per Member: Top 2.8% in tier
+ Total Members: Top 2.8% in tier
+ Total Deposits: Top 3.6% in tier
+ Deposit Growth Rate: Top 4.6% in tier
+ Total Assets: Top 5.1% in tier
+ Asset Growth Rate: Top 6.9% in tier
+ Total Loans: Top 7.3% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 64.5% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Members	36,457 +2.6% YoY+0.5% QoQ	+21.0K	15,437 -2.9% YoY	9,309 +1.0% YoY	33,374 +5.7% YoY	Top 3.0% in tier
Assets	$444.2M +12.4% YoY+2.8% QoQ	+$212.4M	$231.9M +1.3% YoY	$122.7M +4.8% YoY	$561.6M +9.7% YoY	Top 5.2% in tier
Loans	$292.5M +5.9% YoY+4.7% QoQ	+$145.1M	$147.3M -0.1% YoY	$87.2M +3.5% YoY	$397.0M +8.8% YoY	Top 7.4% in tier
Deposits	$403.9M +14.2% YoY+4.2% QoQ	+$203.1M	$200.8M +0.8% YoY	$104.9M +5.6% YoY	$477.3M +9.7% YoY	Top 3.7% 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% -2.5% YoY-6.1% QoQ	+0.7%	0.8% +18.2% YoY	0.3% +12.6% YoY	0.7% +15.9% YoY	Top 12.1% in tier
NIM	3.6% +2.8% YoY-0.5% QoQ	-0.1%	3.6% +6.7% YoY	4.2% +2.9% YoY	3.8% +5.1% YoY	47%
Efficiency Ratio	68.3% -4.1% YoY-0.4% QoQ	-8.7%	77.0% -3.1% YoY	85.6% -13.2% YoY	79.7% -3.3% YoY	20%
Delinquency Rate	0.8% -13.5% YoY-17.3% QoQ	-0.1	0.9% +4.2% YoY	1.9% -8.2% YoY	1.3% -2.1% YoY	54%
Loan To Share	72.4% -7.2% YoY+0.4% QoQ	+0.2%	72.2% -1.1% YoY	71.2% -2.0% YoY	67.4% -1.7% YoY	47%
AMR	$19,101 +7.7% YoY+3.8% QoQ	$-6K	$24,676 +3.4% YoY	$13,375 +3.1% YoY	$19,687 +2.0% YoY	28%
CD Concentration	34.7% +9.8% YoY+1.5% QoQ	+10.3%	24.4%	15.2%	19.8%	50%
Indirect Auto %	15.9% -7.1% YoY-3.8% QoQ	+2.1%	13.8%	5.0%	7.8%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#147 of 595 • Top 24.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.64%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 1.45%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 15.89%

(Tier: 13.79%, National: 7.78%)

but worse than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Organic Growth Leader

growth

#207 of 426 • Top 48.5% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.64%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 15.89%

(Tier: 13.79%, National: 7.78%)

but worse than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Wallet Share Momentum

growth

#261 of 513 • Top 50.8% in tier

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

Why This Signature

AMR Growth (YoY): 7.73%

(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 | Rank improving

Concerns (1)

Indirect Auto Dependency

risk

#327 of 506 • Bottom 64.5% in tier

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

Why This Signature

Asset Growth (YoY): 12.41%

(Tier: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 15.89%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 2.64%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 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 1069 peers in tier

Top Strengths (12 metrics)

Fee Income Per Member

profitability

Value: $342.59

Peer Median: -

#31 of 1069 Top 2.8% in 100M-500M tier

Total Members

engagement

Value: 36,457

Peer Median: -

#31 of 1069 Top 2.8% in 100M-500M tier

Total Deposits

balance_sheet

Value: $403.87M

Peer Median: -

#40 of 1069 Top 3.6% in 100M-500M tier

Deposit Growth Rate

growth

Value: 14.19%

Peer Median: -

#50 of 1069 Top 4.6% in 100M-500M tier

Total Assets

balance_sheet

Value: $444.21M

Peer Median: -

#56 of 1069 Top 5.1% in 100M-500M tier

Asset Growth Rate

growth

Value: 12.41%

Peer Median: -

#75 of 1069 Top 6.9% in 100M-500M tier

Total Loans

balance_sheet

Value: $292.49M

Peer Median: -

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

116

First Mortgage Concentration (%)

balance_sheet

Value: 8.66%

Peer Median: -

#116 of 1069 Top 10.8% in 100M-500M tier

129

Return on Assets (ROA)

profitability

Value: 1.45%

Peer Median: -

#129 of 1069 Top 12.0% in 100M-500M tier

207

AMR Growth Rate

growth

Value: 7.73%

Peer Median: -

#207 of 1069 Top 19.3% in 100M-500M tier

Top Weaknesses (1 metrics)

901

Share Certificate Concentration (%)

balance_sheet

Value: 34.71%

Peer Median: -

#901 of 1069 Bottom 15.8% in 100M-500M tier