BlastPoint's Credit Union Scorecard
W B R T
Charter #12735 · LA
2556 CUs in <100M nationally
109 in LA
W B R T has 5 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 3.51% 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 6.8% in tier
Key Concerns
Areas that may need attention
- - ROA 3.16% below tier average
- - Efficiency ratio 12.27% above tier (higher cost structure)
- - Delinquency rate 5.10% above tier average
- - Net Charge-Off Rate: Bottom 2.3% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.8% in tier
- - Average Member Relationship (AMR): Bottom 4.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,092
+0.5% YoY+0.3% QoQ
|
-1.5K |
2,615
-1.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
30% |
| Assets |
$2.4M
-0.9% YoY-3.3% QoQ
|
$-27.7M |
$30.1M
+2.1% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
Bottom 10.8% in tier |
| Loans |
$1.7M
-13.3% YoY-0.7% QoQ
|
$-14.1M |
$15.8M
-1.3% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
16% |
| Deposits |
$1.8M
+1.8% YoY-2.1% QoQ
|
$-23.9M |
$25.7M
+1.4% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 10.6% in tier |
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| ROA |
-2.5%
-304.0% YoY+275.7% QoQ
|
-3.2% |
0.6%
+10.8% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
Bottom 2.3% in tier |
| NIM |
7.5%
-5.7% YoY+1.4% QoQ
|
+3.5% |
4.0%
+4.0% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
Top 0.7% in tier |
| Efficiency Ratio |
94.8%
+22.2% YoY+2.9% QoQ
|
+12.3% |
82.6%
-2.3% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
83% |
| Delinquency Rate |
6.7%
-23.1% YoY-13.1% QoQ
|
+5.1 |
1.6%
-3.1% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
Top 3.8% in tier |
| Loan To Share |
94.4%
-14.8% YoY+1.3% QoQ
|
+33.8% |
60.6%
-3.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
Top 6.9% in tier |
| AMR |
$3,161
-6.6% YoY-1.7% QoQ
|
$-12K |
$14,783
-1.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
Bottom 4.8% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 15.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.0% | 7.8% | 50% |
Signature Analysis
Strengths (0)
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 Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
19
Net Interest Margin (NIM)
profitability
Value:
7.46%
Peer Median: -
#19 of 2556
Top 0.7% in <100M tier
175
Loan-to-Share Ratio
balance_sheet
Value:
94.42%
Peer Median: -
#175 of 2556
Top 6.8% in <100M tier
269
Net Worth Ratio
risk
Value:
25.49%
Peer Median: -
#269 of 2556
Top 10.5% in <100M tier
276
Members Per Employee (MPE)
engagement
Value:
546.000
Peer Median: -
#276 of 2556
Top 10.8% in <100M tier
Top Weaknesses (11 metrics)
2497
Net Charge-Off Rate
risk
Value:
3.94%
Peer Median: -
#2497 of 2556
Bottom 2.3% in <100M tier
2496
Return on Assets (ROA)
profitability
Value:
-2.54%
Peer Median: -
#2496 of 2556
Bottom 2.4% in <100M tier
2460
Total Delinquency Rate (60+ days)
risk
Value:
6.65%
Peer Median: -
#2460 of 2556
Bottom 3.8% in <100M tier
2434
Average Member Relationship (AMR)
engagement
Value:
$3,161
Peer Median: -
#2434 of 2556
Bottom 4.8% in <100M tier
2336
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,535
Peer Median: -
#2336 of 2556
Bottom 8.6% in <100M tier
2284
Total Deposits
balance_sheet
Value:
$1.78M
Peer Median: -
#2284 of 2556
Bottom 10.7% in <100M tier
2280
Total Assets
balance_sheet
Value:
$2.42M
Peer Median: -
#2280 of 2556
Bottom 10.8% in <100M tier
2260
AMR Growth Rate
growth
Value:
-6.58%
Peer Median: -
#2260 of 2556
Bottom 11.6% in <100M tier
2217
Loan Growth Rate
growth
Value:
-13.28%
Peer Median: -
#2217 of 2556
Bottom 13.3% in <100M tier
2160
Total Loans
balance_sheet
Value:
$1.68M
Peer Median: -
#2160 of 2556
Bottom 15.5% in <100M tier