BlastPoint's Credit Union Scorecard
IBERVILLE
Charter #12356 · LA
IBERVILLE has 7 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.54% above tier average
- + Net Interest Margin 1.50% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 2.2% in tier
- + Fee Income Per Member: Top 3.7% in tier
- + Net Charge-Off Rate: Top 4.7% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 5.52% above tier average
- - Total Delinquency Rate (60+ days): Bottom 3.3% in tier
- - Average Member Relationship (AMR): Bottom 8.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,087
+2.2% YoY-4.3% QoQ
|
-528 |
2,615
-1.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
52% |
| Assets |
$8.4M
+5.3% YoY+0.7% QoQ
|
$-21.8M |
$30.1M
+2.1% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
28% |
| Loans |
$3.4M
+25.8% YoY+8.1% QoQ
|
$-12.4M |
$15.8M
-1.3% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
26% |
| Deposits |
$6.8M
+3.2% YoY+1.0% QoQ
|
$-18.9M |
$25.7M
+1.4% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
28% |
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| ROA |
2.2%
-4.6% YoY-27.9% QoQ
|
+1.5% |
0.6%
+10.8% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
Top 5.5% in tier |
| NIM |
5.5%
+1.3% YoY-0.6% QoQ
|
+1.5% |
4.0%
+4.0% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
Top 7.8% in tier |
| Efficiency Ratio |
77.8%
+4.9% YoY+4.3% QoQ
|
-4.8% |
82.6%
-2.3% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
46% |
| Delinquency Rate |
7.1%
+7.2% YoY-2.5% QoQ
|
+5.5 |
1.6%
-3.1% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
Top 3.3% in tier |
| Loan To Share |
50.1%
+21.9% YoY+7.1% QoQ
|
-10.5% |
60.6%
-3.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
34% |
| AMR |
$4,862
+7.4% YoY+7.9% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
Bottom 8.7% in tier |
| CD Concentration |
5.0%
-35.1% YoY-20.1% QoQ
|
-19.4% | 24.4% | 15.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.0% | 7.8% | 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)