BlastPoint's Credit Union Scorecard

ACCESS OF LOUISIANA

Charter #10353 · LA

<100M

2508 CUs in <100M nationally 107 in LA

ACCESS OF LOUISIANA has 1 strength 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

+ Fee Income Per Member: Top 7.2% in tier

Key Concerns

Areas that may need attention

- ROA 0.09% below tier average
- Efficiency ratio 4.89% above tier (higher cost structure)
- Member decline: -3.6% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Members	3,631 -3.6% YoY-0.7% QoQ	+954	2,676 +1.6% YoY	9,512 +2.6% YoY	33,913 +5.7% YoY	76%
Assets	$44.7M -6.4% YoY+2.0% QoQ	+$14.5M	$30.2M +1.3% YoY	$128.1M +5.9% YoY	$578.3M +9.0% YoY	73%
Loans	$25.0M -9.8% YoY-4.6% QoQ	+$9.7M	$15.3M -2.0% YoY	$89.6M +5.7% YoY	$402.4M +8.7% YoY	78%
Deposits	$40.2M -7.0% YoY+2.2% QoQ	+$14.4M	$25.8M +0.7% YoY	$109.6M +6.0% YoY	$494.3M +9.1% YoY	75%

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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	0.1% -22.9% YoY	-0.1%	0.1% -77.6% YoY	0.1% -79.1% YoY	0.4% -39.2% YoY	23%
NIM	2.7% +30.7% YoY+1.1% QoQ	-1.3%	4.0% +4.0% YoY	4.2% -0.4% YoY	3.8% +4.1% YoY	Bottom 11.4% in tier
Efficiency Ratio	95.5% -2.2% YoY+0.8% QoQ	+4.9%	90.6% +6.5% YoY	88.0% +2.9% YoY	84.6% +2.8% YoY	79%
Delinquency Rate	1.0% -59.8% YoY-68.1% QoQ	-0.5	1.5% +3.8% YoY	1.7% -21.7% YoY	1.2% +3.4% YoY	65%
Loan To Share	62.2% -3.0% YoY-6.7% QoQ	+3.7%	58.5% -3.0% YoY	68.2% -2.4% YoY	65.6% -1.4% YoY	56%
AMR	$17,952 -4.6% YoY+0.1% QoQ	+$3K	$14,884 -1.7% YoY	$13,483 +2.5% YoY	$19,920 +1.6% YoY	69%
CD Concentration	27.9% +12.1% YoY-4.3% QoQ	+3.6%	24.3%	14.9%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	5.1%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

182

Fee Income Per Member

profitability

Value: $177.47

Peer Median: $60.42

#182 of 2508 Top 7.2% in <100M tier

422

Net Charge-Off Rate

risk

Value: -0.02%

Peer Median: 0.07%

#422 of 2508 Top 16.8% in <100M tier

561

Total Loans

balance_sheet

Value: $25.00M

Peer Median: $9.48M

#561 of 2508 Top 22.3% in <100M tier

614

Total Members

engagement

Value: 3,631

Peer Median: 1,918

#614 of 2508 Top 24.4% in <100M tier

623

Total Deposits

balance_sheet

Value: $40.19M

Peer Median: $18.77M

#623 of 2508 Top 24.8% in <100M tier

Top Weaknesses (10 metrics)

2249

Asset Growth Rate

growth

Value: -6.36%

Peer Median: 1.30%

#2249 of 2508 Bottom 10.4% in <100M tier

2222

Net Interest Margin (NIM)

profitability

Value: 2.71%

Peer Median: 3.83%

#2222 of 2508 Bottom 11.4% in <100M tier

2215

Deposit Growth Rate

growth

Value: -7.01%

Peer Median: 0.66%

#2215 of 2508 Bottom 11.7% in <100M tier

2138

Net Worth Ratio

risk

Value: 9.68%

Peer Median: 14.28%

#2138 of 2508 Bottom 14.8% in <100M tier

2052

AMR Growth Rate

growth

Value: -4.62%

Peer Median: 1.27%

#2052 of 2508 Bottom 18.2% in <100M tier

1995

Share Certificate Concentration (%)

balance_sheet

Value: 27.92%

Peer Median: 12.45%

#1995 of 2508 Bottom 20.5% in <100M tier

1979

Efficiency Ratio

profitability

Value: 95.52%

Peer Median: 81.45%

#1979 of 2508 Bottom 21.1% in <100M tier

1927

First Mortgage Concentration (%)

balance_sheet

Value: 27.35%

Peer Median: 3.66%

#1927 of 2508 Bottom 23.2% in <100M tier

1926

Loan Growth Rate

growth

Value: -9.76%

Peer Median: -2.36%

#1926 of 2508 Bottom 23.2% in <100M tier

1922

Return on Assets (ROA)

profitability

Value: 0.06%

Peer Median: 0.61%

#1922 of 2508 Bottom 23.4% in <100M tier