BlastPoint's Credit Union Scorecard
RAPIDES
Charter #12225 · LA
RAPIDES has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.20% above tier average
- + Net Interest Margin 0.36% above tier average
- + Net Worth Ratio: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 1.62% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,149
+1.6% YoY0% QoQ
|
-1.5K |
2,615
-1.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
32% |
| Assets |
$6.2M
-1.5% YoY+0.1% QoQ
|
$-23.9M |
$30.1M
+2.1% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
23% |
| Loans |
$3.5M
-4.1% YoY+0.5% QoQ
|
$-12.2M |
$15.8M
-1.3% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
27% |
| Deposits |
$4.4M
-3.2% YoY+0.2% QoQ
|
$-21.3M |
$25.7M
+1.4% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
20% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.8%
-47.9% YoY-36.9% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
58% |
| NIM |
4.3%
-1.4% YoY-3.4% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
67% |
| Efficiency Ratio |
84.2%
+32.4% YoY+11.6% QoQ
|
+1.6% |
82.6%
-2.3% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
62% |
| Delinquency Rate |
1.4%
+472.1% YoY+63.8% QoQ
|
-0.2 |
1.6%
-3.1% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
70% |
| Loan To Share |
81.3%
-0.9% YoY+0.3% QoQ
|
+20.7% |
60.6%
-3.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
80% |
| AMR |
$6,870
-5.1% YoY+0.3% QoQ
|
$-8K |
$14,783
-1.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
Bottom 14.5% in tier |
| CD Concentration | 0.0% | -24.4% | 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)