BlastPoint's Credit Union Scorecard
UNIVERSITY OF LOUISIANA
Charter #12570 · LA
UNIVERSITY OF LOUISIANA has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 6.7% in tier
- + Total Members: Top 7.2% in tier
- + Total Loans: Top 8.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.30% below tier average
- - Efficiency ratio 10.16% above tier (higher cost structure)
- - Member decline: -2.0% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,564
-2.0% YoY-0.1% QoQ
|
+3.9K |
2,625
-2.2% YoY
|
9,352
+2.6% YoY
|
33,089
+6.1% YoY
|
Top 7.2% in tier |
| Assets |
$59.5M
+3.3% YoY-2.0% QoQ
|
+$29.7M |
$29.9M
+1.1% YoY
|
$121.4M
+4.9% YoY
|
$547.7M
+7.8% YoY
|
83% |
| Loans |
$42.3M
+5.5% YoY-2.7% QoQ
|
+$26.5M |
$15.8M
-2.4% YoY
|
$86.9M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
Top 8.7% in tier |
| Deposits |
$54.2M
+3.2% YoY-2.0% QoQ
|
+$28.8M |
$25.5M
+0.4% YoY
|
$103.9M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
84% |
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| ROA |
0.4%
-258.1% YoY+11.2% QoQ
|
-0.3% |
0.7%
-731.4% YoY
|
0.5%
+1.1% YoY
|
0.7%
+273.4% YoY
|
31% |
| NIM |
3.4%
-3.4% YoY+2.0% QoQ
|
-0.5% |
3.9%
+3.8% YoY
|
4.3%
+3.2% YoY
|
3.7%
+5.0% YoY
|
31% |
| Efficiency Ratio |
91.6%
-12.8% YoY+0.6% QoQ
|
+10.2% |
81.4%
-2.4% YoY
|
82.9%
-3.6% YoY
|
79.1%
-3.3% YoY
|
79% |
| Delinquency Rate |
0.3%
-68.2% YoY+101.6% QoQ
|
-1.2 |
1.5%
-2.0% YoY
|
1.8%
-12.2% YoY
|
1.2%
-0.9% YoY
|
32% |
| Loan To Share |
77.9%
+2.3% YoY-0.7% QoQ
|
+16.7% |
61.2%
-3.0% YoY
|
70.9%
-2.6% YoY
|
68.0%
-1.7% YoY
|
75% |
| AMR |
$14,696
+6.3% YoY-2.3% QoQ
|
+$69 |
$14,627
-2.7% YoY
|
$13,297
+2.9% YoY
|
$19,418
+1.3% YoY
|
56% |
| CD Concentration |
29.1%
+16.7% YoY+5.5% QoQ
|
+4.7% |
24.4%
+4.2% YoY
|
15.0%
+9.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.3%
+10.6% YoY
|
7.9%
-2.9% YoY
|
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)