BlastPoint's Credit Union Scorecard
IBERVILLE
Charter #12356 · LA
IBERVILLE has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.92% above tier average
- + Net Interest Margin 1.32% above tier average
- + Loan Growth Rate: Top 1.8% in tier
- + Fee Income Per Member: Top 4.9% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 5.14% above tier average
- - Total Delinquency Rate (60+ days): Bottom 3.9% in tier
- - Net Charge-Off Rate: Bottom 4.6% in tier
- - Average Member Relationship (AMR): Bottom 8.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,116
+3.6% YoY+1.4% QoQ
|
-560 |
2,676
+1.6% YoY
|
9,512
+2.6% YoY
|
33,913
+5.7% YoY
|
54% |
| Assets |
$8.4M
-2.5% YoY+1.1% QoQ
|
$-21.7M |
$30.2M
+1.3% YoY
|
$128.1M
+5.9% YoY
|
$578.3M
+9.0% YoY
|
28% |
| Loans |
$3.6M
+28.5% YoY+5.0% QoQ
|
$-11.7M |
$15.3M
-2.0% YoY
|
$89.6M
+5.7% YoY
|
$402.4M
+8.7% YoY
|
27% |
| Deposits |
$6.8M
-2.5% YoY+0.6% QoQ
|
$-19.0M |
$25.8M
+0.7% YoY
|
$109.6M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
28% |
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| ROA |
2.1%
-65.6% YoY-4.2% QoQ
|
+1.9% |
0.1%
-77.6% YoY
|
0.1%
-79.1% YoY
|
0.4%
-39.2% YoY
|
Top 5.7% in tier |
| NIM |
5.3%
+1.5% YoY-2.3% QoQ
|
+1.3% |
4.0%
+4.0% YoY
|
4.2%
-0.4% YoY
|
3.8%
+4.1% YoY
|
Top 7.8% in tier |
| Efficiency Ratio |
80.1%
+37.5% YoY+2.9% QoQ
|
-10.6% |
90.6%
+6.5% YoY
|
88.0%
+2.9% YoY
|
84.6%
+2.8% YoY
|
46% |
| Delinquency Rate |
6.6%
+45.6% YoY-6.1% QoQ
|
+5.1 |
1.5%
+3.8% YoY
|
1.7%
-21.7% YoY
|
1.2%
+3.4% YoY
|
Bottom 3.9% in tier |
| Loan To Share |
52.3%
+31.8% YoY+4.4% QoQ
|
-6.2% |
58.5%
-3.0% YoY
|
68.2%
-2.4% YoY
|
65.6%
-1.4% YoY
|
40% |
| AMR |
$4,895
+2.6% YoY+0.7% QoQ
|
$-10K |
$14,884
-1.7% YoY
|
$13,483
+2.5% YoY
|
$19,920
+1.6% YoY
|
Bottom 8.8% in tier |
| CD Concentration |
4.7%
-33.1% YoY-7.3% QoQ
|
-19.6% | 24.3% | 14.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)