BlastPoint's Credit Union Scorecard
W B R T
Charter #12735 · LA
W B R T has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.35% above tier average
- + Net Interest Margin 2.69% above tier average
- + Members Per Employee (MPE): Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 20.92% above tier (higher cost structure)
- - Delinquency rate 9.22% above tier average
- - Total Delinquency Rate (60+ days): Bottom 2.0% in tier
- - Average Member Relationship (AMR): Bottom 4.6% in tier
- - AMR Growth Rate: Bottom 6.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.2% in tier
- - Net Charge-Off Rate: Bottom 8.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 107 that size in Louisiana.
- Shares and deposits -4.4% year over year ($1.8M in shares and deposits).
- Membership: 1,104 members, +1.8% vs a year ago.
- Delinquency rate 10.77%.
- Return on assets 1.84%.
- Efficiency ratio 109.68% vs a 88.77% peer average.
- Loan-to-share ratio 86.44% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,104
+1.8% YoY+1.0% QoQ
|
-1.5K |
2,585
-1.7% YoY
|
9,550
+2.7% YoY
|
34,678
+6.6% YoY
|
31% |
| Assets |
$2.4M
-6.4% YoY-0.1% QoQ
|
$-27.9M |
$30.3M
+1.5% YoY
|
$130.2M
+7.1% YoY
|
$593.1M
+10.2% YoY
|
Bottom 10.6% in tier |
| Loans |
$1.6M
-14.7% YoY+1.5% QoQ
|
$-13.9M |
$15.5M
-1.7% YoY
|
$92.6M
+7.3% YoY
|
$418.6M
+10.1% YoY
|
Bottom 14.9% in tier |
| Deposits |
$1.8M
-4.4% YoY+0.3% QoQ
|
$-24.0M |
$25.8M
+1.1% YoY
|
$111.6M
+7.6% YoY
|
$504.8M
+10.3% YoY
|
Bottom 10.5% in tier |
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| ROA |
1.8%
-327.4% YoY-175.2% QoQ
|
+0.4% |
1.5%
+241.5% YoY
|
1.1%
+258.0% YoY
|
1.2%
+121.4% YoY
|
Top 12.1% in tier |
| NIM |
6.6%
-8.4% YoY-1.1% QoQ
|
+2.7% |
3.9%
+0.9% YoY
|
4.2%
-0.2% YoY
|
3.8%
+2.3% YoY
|
Top 1.6% in tier |
| Efficiency Ratio |
109.7%
+19.5% YoY-1.2% QoQ
|
+20.9% |
88.8%
-6.9% YoY
|
89.3%
+0.7% YoY
|
83.0%
-5.3% YoY
|
Bottom 8.3% in tier |
| Delinquency Rate |
10.8%
+29.4% YoY+81.1% QoQ
|
+9.2 |
1.5%
+2.1% YoY
|
2.0%
+21.9% YoY
|
1.3%
+2.6% YoY
|
Bottom 2.0% in tier |
| Loan To Share |
86.4%
-10.8% YoY+1.2% QoQ
|
+27.6% |
58.9%
-3.1% YoY
|
68.1%
-2.7% YoY
|
66.4%
-1.4% YoY
|
Top 12.6% in tier |
| AMR |
$3,057
-11.0% YoY-0.1% QoQ
|
$-12K |
$14,963
-6.8% YoY
|
$13,536
+2.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 4.5% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 15.1% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 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)