BlastPoint's Credit Union Scorecard
ST. TAMMANY
Charter #11942 · LA
ST. TAMMANY has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.33% above tier average
- + Fee Income Per Member: Top 4.4% in tier
- + Total Members: Top 5.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.45% below tier average
- - Efficiency ratio 3.10% above tier (higher cost structure)
- - Member decline: -5.8% YoY
- - Net Charge-Off Rate: Bottom 6.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,144
-5.8% YoY-0.4% QoQ
|
+4.5K |
2,615
-1.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
Top 5.2% in tier |
| Assets |
$45.5M
+5.3% YoY+1.6% QoQ
|
+$15.4M |
$30.1M
+2.1% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
74% |
| Loans |
$31.9M
-9.3% YoY-1.5% QoQ
|
+$16.2M |
$15.8M
-1.3% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
84% |
| Deposits |
$38.7M
+6.3% YoY+1.5% QoQ
|
+$13.0M |
$25.7M
+1.4% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
74% |
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| ROA |
0.2%
-47.5% YoY-121.0% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
24% |
| NIM |
5.3%
+8.9% YoY-0.0% QoQ
|
+1.3% |
4.0%
+4.0% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
Top 9.5% in tier |
| Efficiency Ratio |
85.7%
-0.4% YoY-6.9% QoQ
|
+3.1% |
82.6%
-2.3% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
65% |
| Delinquency Rate |
1.1%
+23.0% YoY+1.8% QoQ
|
-0.4 |
1.6%
-3.1% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
64% |
| Loan To Share |
82.4%
-14.6% YoY-2.9% QoQ
|
+21.8% |
60.6%
-3.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
82% |
| AMR |
$9,890
+4.7% YoY+0.5% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
28% |
| CD Concentration |
16.1%
+28.7% YoY+12.3% QoQ
|
-8.3% | 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)