BlastPoint's Credit Union Scorecard
WYMAR
Charter #12330 · LA
WYMAR has 7 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + Relationship Depth Leader: Top 50.0% in tier
- + ROA 0.39% above tier average
- + Loan-to-Member Ratio (LMR): Top 2.8% in tier
- + Average Member Relationship (AMR): Top 3.0% in tier
- + Net Worth Ratio: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
- - Delinquency rate 0.32% above tier average
- - Total Members: Bottom 4.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 21 that size in Louisiana.
- Shares and deposits +4.5% year over year ($140M in shares and deposits).
- Membership: 5,156 members, +0.7% vs a year ago.
- Delinquency rate 1.20%.
- Return on assets 1.26%.
- Efficiency ratio 63.59% vs a 76.73% peer average.
- Loan-to-share ratio 78.92% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,156
+0.7% YoY+0.4% QoQ
|
-10.0K |
15,168
-2.6% YoY
|
9,550
+2.7% YoY
|
34,678
+6.6% YoY
|
Bottom 4.2% in tier |
| Assets |
$165.4M
+4.2% YoY+0.5% QoQ
|
$-66.6M |
$232.0M
+0.7% YoY
|
$130.2M
+7.1% YoY
|
$593.1M
+10.2% YoY
|
36% |
| Loans |
$110.3M
-0.9% YoY-0.5% QoQ
|
$-35.9M |
$146.3M
+0.2% YoY
|
$92.6M
+7.3% YoY
|
$418.6M
+10.1% YoY
|
42% |
| Deposits |
$139.8M
+4.5% YoY+1.0% QoQ
|
$-60.9M |
$200.7M
+0.2% YoY
|
$111.6M
+7.6% YoY
|
$504.8M
+10.3% YoY
|
36% |
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| ROA |
1.3%
+54.1% YoY-5.4% QoQ
|
+0.4% |
0.9%
+12.5% YoY
|
1.1%
+258.0% YoY
|
1.2%
+121.4% YoY
|
78% |
| NIM |
3.2%
+4.8% YoY+1.3% QoQ
|
-0.5% |
3.7%
+4.5% YoY
|
4.2%
-0.2% YoY
|
3.8%
+2.3% YoY
|
22% |
| Efficiency Ratio |
63.6%
-6.9% YoY+4.5% QoQ
|
-13.1% |
76.7%
-0.8% YoY
|
89.3%
+0.7% YoY
|
83.0%
-5.3% YoY
|
Top 13.5% in tier |
| Delinquency Rate |
1.2%
+149.1% YoY-4.6% QoQ
|
+0.3 |
0.9%
+6.6% YoY
|
2.0%
+21.9% YoY
|
1.3%
+2.6% YoY
|
78% |
| Loan To Share |
78.9%
-5.2% YoY-1.4% QoQ
|
+7.4% |
71.5%
-0.3% YoY
|
68.1%
-2.7% YoY
|
66.4%
-1.4% YoY
|
62% |
| AMR |
$48,517
+1.4% YoY-0.1% QoQ
|
+$23K |
$25,107
+3.2% YoY
|
$13,536
+2.7% YoY
|
$20,028
-0.9% YoY
|
Top 3.1% in tier |
| CD Concentration |
34.9%
-0.0% YoY+0.1% QoQ
|
+10.3% | 24.6% | 15.1% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 5.1% | 7.7% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)