BlastPoint's Credit Union Scorecard
W B R T
Charter #12735 · LA
2596 CUs in <100M nationally
108 in LA
W B R T has 6 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 3.42% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 8.3% in tier
- + Net Worth Ratio: Top 8.8% in tier
Key Concerns
Areas that may need attention
- - ROA 1.36% below tier average
- - Efficiency ratio 10.78% above tier (higher cost structure)
- - Delinquency rate 6.15% above tier average
- - Total Delinquency Rate (60+ days): Bottom 3.0% in tier
- - Net Charge-Off Rate: Bottom 3.7% in tier
- - Average Member Relationship (AMR): Bottom 5.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,089
+0.3% YoY+0.4% QoQ
|
-1.5K |
2,625
-2.2% YoY
|
9,352
+2.6% YoY
|
33,089
+6.1% YoY
|
31% |
| Assets |
$2.5M
-0.9% YoY-3.3% QoQ
|
$-27.4M |
$29.9M
+1.1% YoY
|
$121.4M
+4.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 11.4% in tier |
| Loans |
$1.7M
-12.1% YoY-7.9% QoQ
|
$-14.1M |
$15.8M
-2.4% YoY
|
$86.9M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
16% |
| Deposits |
$1.8M
+2.4% YoY-4.3% QoQ
|
$-23.6M |
$25.5M
+0.4% YoY
|
$103.9M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 11.1% in tier |
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| ROA |
-0.7%
-118.6% YoY-16.7% QoQ
|
-1.4% |
0.7%
-731.4% YoY
|
0.5%
+1.1% YoY
|
0.7%
+273.4% YoY
|
Bottom 7.5% in tier |
| NIM |
7.4%
-5.8% YoY+2.4% QoQ
|
+3.4% |
3.9%
+3.8% YoY
|
4.3%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Top 0.9% in tier |
| Efficiency Ratio |
92.2%
+24.2% YoY+0.4% QoQ
|
+10.8% |
81.4%
-2.4% YoY
|
82.9%
-3.6% YoY
|
79.1%
-3.3% YoY
|
80% |
| Delinquency Rate |
7.7%
-27.6% YoY-8.0% QoQ
|
+6.1 |
1.5%
-2.0% YoY
|
1.8%
-12.2% YoY
|
1.2%
-0.9% YoY
|
Top 3.0% in tier |
| Loan To Share |
93.2%
-14.2% YoY-3.8% QoQ
|
+31.9% |
61.2%
-3.0% YoY
|
70.9%
-2.6% YoY
|
68.0%
-1.7% YoY
|
Top 8.5% in tier |
| AMR |
$3,216
-5.4% YoY-6.4% QoQ
|
$-11K |
$14,627
-2.7% YoY
|
$13,297
+2.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 5.0% in tier |
| CD Concentration | 0.0% | -24.4% |
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)
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 (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
24
Net Interest Margin (NIM)
profitability
Value:
7.36%
Peer Avg: -
#24 of 2596
Top 0.9% in <100M tier
216
Loan-to-Share Ratio
balance_sheet
Value:
93.18%
Peer Avg: -
#216 of 2596
Top 8.3% in <100M tier
230
Net Worth Ratio
risk
Value:
26.62%
Peer Avg: -
#230 of 2596
Top 8.8% in <100M tier
293
Members Per Employee (MPE)
engagement
Value:
544.500
Peer Avg: -
#293 of 2596
Top 11.2% in <100M tier
Top Weaknesses (11 metrics)
2518
Total Delinquency Rate (60+ days)
risk
Value:
7.66%
Peer Avg: -
#2518 of 2596
Bottom 3.0% in <100M tier
2500
Net Charge-Off Rate
risk
Value:
2.73%
Peer Avg: -
#2500 of 2596
Bottom 3.7% in <100M tier
2466
Average Member Relationship (AMR)
engagement
Value:
$3,216
Peer Avg: -
#2466 of 2596
Bottom 5.0% in <100M tier
2402
Return on Assets (ROA)
profitability
Value:
-0.68%
Peer Avg: -
#2402 of 2596
Bottom 7.5% in <100M tier
2355
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,551
Peer Avg: -
#2355 of 2596
Bottom 9.3% in <100M tier
2307
Total Deposits
balance_sheet
Value:
$1.81M
Peer Avg: -
#2307 of 2596
Bottom 11.2% in <100M tier
2300
Total Assets
balance_sheet
Value:
$2.50M
Peer Avg: -
#2300 of 2596
Bottom 11.4% in <100M tier
2188
Total Loans
balance_sheet
Value:
$1.69M
Peer Avg: -
#2188 of 2596
Bottom 15.8% in <100M tier
2174
Loan Growth Rate
growth
Value:
-12.08%
Peer Avg: -
#2174 of 2596
Bottom 16.3% in <100M tier
2170
AMR Growth Rate
growth
Value:
-5.38%
Peer Avg: -
#2170 of 2596
Bottom 16.4% in <100M tier