BlastPoint's Credit Union Scorecard
IBERVILLE
Charter #12356 · LA
IBERVILLE has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.32% above tier average
- + AMR Growth Rate: Top 0.2% in tier
- + Loan Growth Rate: Top 3.3% in tier
- + Fee Income Per Member: Top 6.6% in tier
Key Concerns
Areas that may need attention
- - ROA 1.47% below tier average
- - Delinquency rate 6.01% above tier average
- - Member decline: -42.5% YoY
- - Member Growth Rate: Bottom 0.4% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.4% in tier
- - Average Member Relationship (AMR): Bottom 9.3% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 107 that size in Louisiana.
- Shares and deposits +7.5% year over year ($7.2M in shares and deposits).
- Membership: 2,122 members, -42.5% vs a year ago.
- Delinquency rate 7.55%.
- Return on assets 0.02%.
- Efficiency ratio 80.77% vs a 88.77% peer average.
- Loan-to-share ratio 49.64% vs a 58.89% 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 |
2,122
-42.5% YoY+0.3% QoQ
|
-463 |
2,585
-1.7% YoY
|
9,550
+2.7% YoY
|
34,678
+6.6% YoY
|
54% |
| Assets |
$8.8M
+6.8% YoY+4.6% QoQ
|
$-21.4M |
$30.3M
+1.5% YoY
|
$130.2M
+7.1% YoY
|
$593.1M
+10.2% YoY
|
29% |
| Loans |
$3.6M
+20.2% YoY+0.9% QoQ
|
$-11.9M |
$15.5M
-1.7% YoY
|
$92.6M
+7.3% YoY
|
$418.6M
+10.1% YoY
|
27% |
| Deposits |
$7.2M
+7.5% YoY+6.3% QoQ
|
$-18.6M |
$25.8M
+1.1% YoY
|
$111.6M
+7.6% YoY
|
$504.8M
+10.3% YoY
|
29% |
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| ROA |
0.0%
-99.5% YoY-99.1% QoQ
|
-1.5% |
1.5%
+241.5% YoY
|
1.1%
+258.0% YoY
|
1.2%
+121.4% YoY
|
Bottom 1.1% in tier |
| NIM |
5.2%
-42.4% YoY-2.0% QoQ
|
+1.3% |
3.9%
+0.9% YoY
|
4.2%
-0.2% YoY
|
3.8%
+2.3% YoY
|
Top 8.9% in tier |
| Efficiency Ratio |
80.8%
+17.6% YoY+0.9% QoQ
|
-8.0% |
88.8%
-6.9% YoY
|
89.3%
+0.7% YoY
|
83.0%
-5.3% YoY
|
50% |
| Delinquency Rate |
7.6%
+26.6% YoY+13.7% QoQ
|
+6.0 |
1.5%
+2.1% YoY
|
2.0%
+21.9% YoY
|
1.3%
+2.6% YoY
|
Bottom 3.4% in tier |
| Loan To Share |
49.6%
+11.8% YoY-5.2% QoQ
|
-9.3% |
58.9%
-3.1% YoY
|
68.1%
-2.7% YoY
|
66.4%
-1.4% YoY
|
35% |
| AMR |
$5,098
+93.6% YoY+4.2% QoQ
|
$-10K |
$14,963
-6.8% YoY
|
$13,536
+2.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 9.2% in tier |
| CD Concentration |
3.4%
-47.0% YoY-26.3% QoQ
|
-21.1% | 24.6% | 15.1% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 5.1% | 7.7% | 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)