BlastPoint's Credit Union Scorecard

BARTON PLANT EMPLOYEES

Charter #12292 · LA

<100M

2508 CUs in <100M nationally 107 in LA

BARTON PLANT EMPLOYEES has 2 strengths but faces 2 concerns

National Analysis

How does the industry compare?

LA Analysis

How does LA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.86% above tier average
+ Net Worth Ratio: Top 4.5% in tier

Key Concerns

Areas that may need attention

- ROA 0.82% below tier average
- Member decline: -3.3% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Members	1,481 -3.3% YoY-0.7% QoQ	-1.2K	2,676 +1.6% YoY	9,512 +2.6% YoY	33,913 +5.7% YoY	40%
Assets	$15.7M -1.2% YoY-0.2% QoQ	$-14.5M	$30.2M +1.3% YoY	$128.1M +5.9% YoY	$578.3M +9.0% YoY	42%
Loans	$7.2M -13.0% YoY-4.3% QoQ	$-8.1M	$15.3M -2.0% YoY	$89.6M +5.7% YoY	$402.4M +8.7% YoY	43%
Deposits	$10.6M -3.6% YoY-0.1% QoQ	$-15.2M	$25.8M +0.7% YoY	$109.6M +6.0% YoY	$494.3M +9.1% YoY	37%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-0.7% -138.0% YoY-138.7% QoQ	-0.8%	0.1% -77.6% YoY	0.1% -79.1% YoY	0.4% -39.2% YoY	Bottom 11.2% in tier
NIM	4.9% +0.8% YoY-2.5% QoQ	+0.9%	4.0% +4.0% YoY	4.2% -0.4% YoY	3.8% +4.1% YoY	Top 14.0% in tier
Efficiency Ratio	69.9% +5.9% YoY-4.0% QoQ	-20.7%	90.6% +6.5% YoY	88.0% +2.9% YoY	84.6% +2.8% YoY	26%
Delinquency Rate	0.1% +38.5% YoY-13.1% QoQ	-1.4	1.5% +3.8% YoY	1.7% -21.7% YoY	1.2% +3.4% YoY	23%
Loan To Share	68.0% -9.8% YoY-4.1% QoQ	+9.5%	58.5% -3.0% YoY	68.2% -2.4% YoY	65.6% -1.4% YoY	64%
AMR	$12,016 -4.5% YoY-1.2% QoQ	$-3K	$14,884 -1.7% YoY	$13,483 +2.5% YoY	$19,920 +1.6% YoY	39%
CD Concentration	11.0% +30.5% YoY+18.5% QoQ	-13.3%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

113

Net Worth Ratio

risk

Value: 32.43%

Peer Median: 14.28%

#113 of 2508 Top 4.5% in <100M tier

351

Net Interest Margin (NIM)

profitability

Value: 4.87%

Peer Median: 3.83%

#351 of 2508 Top 14.0% in <100M tier

510

Net Charge-Off Rate

risk

Value: 0.00%

Peer Median: 0.07%

#510 of 2508 Top 20.3% in <100M tier

578

Total Delinquency Rate (60+ days)

risk

Value: 0.11%

Peer Median: 0.65%

#578 of 2508 Top 23.0% in <100M tier

Top Weaknesses (4 metrics)

2228

Return on Assets (ROA)

profitability

Value: -0.67%

Peer Median: 0.61%

#2228 of 2508 Bottom 11.2% in <100M tier

2129

Loan Growth Rate

growth

Value: -12.97%

Peer Median: -2.36%

#2129 of 2508 Bottom 15.2% in <100M tier

2038

AMR Growth Rate

growth

Value: -4.48%

Peer Median: 1.27%

#2038 of 2508 Bottom 18.8% in <100M tier

1894

Deposit Growth Rate

growth

Value: -3.55%

Peer Median: 0.66%

#1894 of 2508 Bottom 24.5% in <100M tier