BlastPoint's Credit Union Scorecard
IBERVILLE
Charter #12356 ยท LA
2596 CUs in <100M nationally
108 in LA
IBERVILLE has 8 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.31% above tier average
- + Net Interest Margin 1.56% above tier average
- + Strong member growth: 6.9% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 3.9% in tier
- + Loan Growth Rate: Top 3.9% in tier
- + Member Growth Rate: Top 5.2% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 5.75% above tier average
- - Total Delinquency Rate (60+ days): Bottom 3.5% in tier
- - Average Member Relationship (AMR): Bottom 7.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,180
+6.9% YoY-40.9% QoQ
|
-445 |
2,625
-2.2% YoY
|
9,352
+2.6% YoY
|
33,089
+6.1% YoY
|
55% |
| Assets |
$8.3M
+1.1% YoY+0.3% QoQ
|
$-21.6M |
$29.9M
+1.1% YoY
|
$121.4M
+4.9% YoY
|
$547.7M
+7.8% YoY
|
28% |
| Loans |
$3.1M
+18.3% YoY+4.9% QoQ
|
$-12.6M |
$15.8M
-2.4% YoY
|
$86.9M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
25% |
| Deposits |
$6.7M
-2.1% YoY-0.4% QoQ
|
$-18.8M |
$25.5M
+0.4% YoY
|
$103.9M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
29% |
| ROA |
3.0%
+13.4% YoY-23.2% QoQ
|
+2.3% |
0.7%
-731.4% YoY
|
0.5%
+1.1% YoY
|
0.7%
+273.4% YoY
|
Top 2.2% in tier |
| NIM |
5.5%
+4.2% YoY-39.4% QoQ
|
+1.6% |
3.9%
+3.8% YoY
|
4.3%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Top 7.3% in tier |
| Efficiency Ratio |
74.6%
+5.5% YoY+8.6% QoQ
|
-6.8% |
81.4%
-2.4% YoY
|
82.9%
-3.6% YoY
|
79.1%
-3.3% YoY
|
41% |
| Delinquency Rate |
7.3%
+244.3% YoY+21.7% QoQ
|
+5.8 |
1.5%
-2.0% YoY
|
1.8%
-12.2% YoY
|
1.2%
-0.9% YoY
|
Top 3.5% in tier |
| Loan To Share |
46.8%
+20.9% YoY+5.4% QoQ
|
-14.4% |
61.2%
-3.0% YoY
|
70.9%
-2.6% YoY
|
68.0%
-1.7% YoY
|
28% |
| AMR |
$4,508
-3.1% YoY+71.2% QoQ
|
$-10K |
$14,627
-2.7% YoY
|
$13,297
+2.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 7.7% in tier |
| CD Concentration |
6.3%
-18.6% YoY-3.0% QoQ
|
-18.1% |
24.4%
+4.2% YoY
|
15.0%
+9.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
5.3%
+10.6% YoY
|
7.9%
-2.9% YoY
|
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)
Top Strengths (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
58
Return on Assets (ROA)
profitability
Value:
2.99%
Peer Avg: 0.68%
#58 of 2596
Top 2.2% in <100M tier
102
Fee Income Per Member
profitability
Value:
$239.08
Peer Avg: $182.96
#102 of 2596
Top 3.9% in <100M tier
102
Loan Growth Rate
growth
Value:
18.32%
Peer Avg: 59.01%
#102 of 2596
Top 3.9% in <100M tier
136
Member Growth Rate
growth
Value:
6.92%
Peer Avg: 14.92%
#136 of 2596
Top 5.2% in <100M tier
190
Net Interest Margin (NIM)
profitability
Value:
5.49%
Peer Avg: 3.93%
#190 of 2596
Top 7.3% in <100M tier
585
Members Per Employee (MPE)
engagement
Value:
436.000
Peer Avg: 365.701
#585 of 2596
Top 22.5% in <100M tier
Top Weaknesses (6 metrics)
2507
Total Delinquency Rate (60+ days)
risk
Value:
7.26%
Peer Avg: 1.51%
#2507 of 2596
Bottom 3.5% in <100M tier
2395
Average Member Relationship (AMR)
engagement
Value:
$4,508
Peer Avg: $14,627
#2395 of 2596
Bottom 7.8% in <100M tier
2381
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,437
Peer Avg: $5,488
#2381 of 2596
Bottom 8.3% in <100M tier
1995
Net Charge-Off Rate
risk
Value:
0.67%
Peer Avg: 0.57%
#1995 of 2596
Bottom 23.2% in <100M tier
1971
AMR Growth Rate
growth
Value:
-3.13%
Peer Avg: 4.67%
#1971 of 2596
Bottom 24.1% in <100M tier
1954
Total Loans
balance_sheet
Value:
$3.13M
Peer Avg: $15.77M
#1954 of 2596
Bottom 24.8% in <100M tier