BlastPoint's Credit Union Scorecard
BAYOU COMMUNITY
Charter #11782 · LA
BAYOU COMMUNITY demonstrates 5 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.49% above tier average
- + Net Interest Margin 0.30% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 4.6% in tier
- + Member Growth Rate: Top 7.7% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,722
+4.4% YoY+0.5% QoQ
|
-903 |
2,625
-2.2% YoY
|
9,352
+2.6% YoY
|
33,089
+6.1% YoY
|
45% |
| Assets |
$17.6M
+9.1% YoY-3.7% QoQ
|
$-12.2M |
$29.9M
+1.1% YoY
|
$121.4M
+4.9% YoY
|
$547.7M
+7.8% YoY
|
45% |
| Loans |
$12.6M
+9.2% YoY+2.5% QoQ
|
$-3.2M |
$15.8M
-2.4% YoY
|
$86.9M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
56% |
| Deposits |
$15.9M
+8.0% YoY-3.7% QoQ
|
$-9.6M |
$25.5M
+0.4% YoY
|
$103.9M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
47% |
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| ROA |
1.2%
-433.7% YoY-4.7% QoQ
|
+0.5% |
0.7%
-731.4% YoY
|
0.5%
+1.1% YoY
|
0.7%
+273.4% YoY
|
69% |
| NIM |
4.2%
+3.8% YoY+10.9% QoQ
|
+0.3% |
3.9%
+3.8% YoY
|
4.3%
+3.2% YoY
|
3.7%
+5.0% YoY
|
64% |
| Efficiency Ratio |
74.5%
-20.4% YoY+4.8% QoQ
|
-6.9% |
81.4%
-2.4% YoY
|
82.9%
-3.6% YoY
|
79.1%
-3.3% YoY
|
41% |
| Delinquency Rate |
0.3%
-66.7% YoY-38.1% QoQ
|
-1.2 |
1.5%
-2.0% YoY
|
1.8%
-12.2% YoY
|
1.2%
-0.9% YoY
|
34% |
| Loan To Share |
79.2%
+1.1% YoY+6.4% QoQ
|
+18.0% |
61.2%
-3.0% YoY
|
70.9%
-2.6% YoY
|
68.0%
-1.7% YoY
|
76% |
| AMR |
$16,513
+4.0% YoY-1.6% QoQ
|
+$2K |
$14,627
-2.7% YoY
|
$13,297
+2.9% YoY
|
$19,418
+1.3% YoY
|
65% |
| CD Concentration |
21.7%
-1.9% YoY-18.9% QoQ
|
-2.7% |
24.4%
+4.2% YoY
|
15.0%
+9.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.3%
+10.6% YoY
|
7.9%
-2.9% YoY
|
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)