BlastPoint's Credit Union Scorecard

CUSA

Charter #10640 · LA

<100M
2508 CUs in <100M nationally 107 in LA

CUSA demonstrates 1 strength

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.06% above tier average

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Members 2,551
-2.0% YoY-1.9% QoQ
-125 2,676
+1.6% YoY
9,512
+2.6% YoY
33,913
+5.7% YoY
61%
Assets $30.5M
-5.5% YoY-0.5% QoQ
+$359K $30.2M
+1.3% YoY
$128.1M
+5.9% YoY
$578.3M
+9.0% YoY
60%
Loans $21.6M
-11.8% YoY-3.5% QoQ
+$6.3M $15.3M
-2.0% YoY
$89.6M
+5.7% YoY
$402.4M
+8.7% YoY
73%
Deposits $27.4M
-6.5% YoY-0.8% QoQ
+$1.6M $25.8M
+0.7% YoY
$109.6M
+6.0% YoY
$494.3M
+9.1% YoY
61%

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Tier 1
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ROA 0.2%
-191.1% YoY-194.4% QoQ
+0.1% 0.1%
-77.6% YoY
0.1%
-79.1% YoY
0.4%
-39.2% YoY
30%
NIM 3.4%
+9.2% YoY+4.7% QoQ
-0.6% 4.0%
+4.0% YoY
4.2%
-0.4% YoY
3.8%
+4.1% YoY
31%
Efficiency Ratio 85.3%
-19.3% YoY-15.7% QoQ
-5.3% 90.6%
+6.5% YoY
88.0%
+2.9% YoY
84.6%
+2.8% YoY
59%
Delinquency Rate 0.9%
+113.5% YoY-30.1% QoQ
-0.6 1.5%
+3.8% YoY
1.7%
-21.7% YoY
1.2%
+3.4% YoY
62%
Loan To Share 78.9%
-5.6% YoY-2.7% QoQ
+20.4% 58.5%
-3.0% YoY
68.2%
-2.4% YoY
65.6%
-1.4% YoY
80%
AMR $19,208
-7.1% YoY-0.1% QoQ
+$4K $14,884
-1.7% YoY
$13,483
+2.5% YoY
$19,920
+1.6% YoY
75%
CD Concentration 30.0%
+9.7% YoY-6.6% QoQ
+5.8% 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)

Comparing against 2508 peers in tier

Top Strengths (4 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 0.00%
#1 of 2508 Top 0.1% in <100M tier
372
Loan-to-Member Ratio (LMR)
engagement
Value: $8,470
Peer Median: $4,923
#372 of 2508 Top 14.8% in <100M tier
492
Loan-to-Share Ratio
balance_sheet
Value: 78.87%
Peer Median: 58.72%
#492 of 2508 Top 19.6% in <100M tier
620
Members Per Employee (MPE)
engagement
Value: 425.167
Peer Median: 333.750
#620 of 2508 Top 24.7% in <100M tier

Top Weaknesses (8 metrics)

2212
AMR Growth Rate
growth
Value: -7.10%
Peer Median: 1.27%
#2212 of 2508 Bottom 11.8% in <100M tier
2196
Asset Growth Rate
growth
Value: -5.50%
Peer Median: 1.30%
#2196 of 2508 Bottom 12.5% in <100M tier
2183
Deposit Growth Rate
growth
Value: -6.53%
Peer Median: 0.66%
#2183 of 2508 Bottom 13.0% in <100M tier
2158
First Mortgage Concentration (%)
balance_sheet
Value: 39.33%
Peer Median: 3.66%
#2158 of 2508 Bottom 14.0% in <100M tier
2081
Net Worth Ratio
risk
Value: 9.97%
Peer Median: 14.28%
#2081 of 2508 Bottom 17.1% in <100M tier
2074
Share Certificate Concentration (%)
balance_sheet
Value: 30.03%
Peer Median: 12.45%
#2074 of 2508 Bottom 17.3% in <100M tier
2059
Loan Growth Rate
growth
Value: -11.78%
Peer Median: -2.36%
#2059 of 2508 Bottom 17.9% in <100M tier
1980
Net Charge-Off Rate
risk
Value: 0.66%
Peer Median: 0.07%
#1980 of 2508 Bottom 21.1% in <100M tier
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