BlastPoint's Credit Union Scorecard
CUSA
Charter #10640 · LA
CUSA has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.84% below tier average
- - Efficiency ratio 18.58% above tier (higher cost structure)
- - Member decline: -13.4% YoY
- - Member Growth Rate: Bottom 3.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,600
-13.4% YoY-0.6% QoQ
|
-15 |
2,615
-1.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
62% |
| Assets |
$30.7M
-1.2% YoY-0.0% QoQ
|
+$554K |
$30.1M
+2.1% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
60% |
| Loans |
$22.4M
-10.9% YoY-3.3% QoQ
|
+$6.6M |
$15.8M
-1.3% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
73% |
| Deposits |
$27.6M
-1.3% YoY+0.2% QoQ
|
+$1.9M |
$25.7M
+1.4% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
62% |
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| ROA |
-0.2%
-77.8% YoY+126.6% QoQ
|
-0.8% |
0.6%
+10.8% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
Bottom 12.2% in tier |
| NIM |
3.2%
+13.2% YoY-0.3% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
25% |
| Efficiency Ratio |
101.1%
-19.1% YoY+0.3% QoQ
|
+18.6% |
82.6%
-2.3% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
Top 10.4% in tier |
| Delinquency Rate |
1.3%
-6.1% YoY+140.3% QoQ
|
-0.2 |
1.6%
-3.1% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
68% |
| Loan To Share |
81.0%
-9.7% YoY-3.5% QoQ
|
+20.4% |
60.6%
-3.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
79% |
| AMR |
$19,237
+8.8% YoY-0.8% QoQ
|
+$4K |
$14,783
-1.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
76% |
| CD Concentration |
32.1%
+3.2% YoY+2.9% QoQ
|
+7.7% | 24.4% | 15.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.0% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)