BlastPoint's Credit Union Scorecard
W B R T
Charter #12735 · LA
<100M
2508 CUs in <100M nationally
107 in LA
W B R T has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.65% above tier average
Key Concerns
Areas that may need attention
- - ROA 2.60% below tier average
- - Efficiency ratio 20.34% above tier (higher cost structure)
- - Delinquency rate 4.44% above tier average
- - Total Delinquency Rate (60+ days): Bottom 4.6% in tier
- - Average Member Relationship (AMR): Bottom 4.7% in tier
- - Net Charge-Off Rate: Bottom 4.8% in tier
- - AMR Growth Rate: Bottom 5.3% in tier
- - Asset Growth Rate: Bottom 5.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,093
+0.4% YoY+0.1% QoQ
|
-1.6K |
2,676
+1.6% YoY
|
9,512
+2.6% YoY
|
33,913
+5.7% YoY
|
31% |
| Assets |
$2.4M
-9.3% YoY+0.1% QoQ
|
$-27.8M |
$30.2M
+1.3% YoY
|
$128.1M
+5.9% YoY
|
$578.3M
+9.0% YoY
|
Bottom 10.8% in tier |
| Loans |
$1.5M
-15.2% YoY-8.0% QoQ
|
$-13.7M |
$15.3M
-2.0% YoY
|
$89.6M
+5.7% YoY
|
$402.4M
+8.7% YoY
|
15% |
| Deposits |
$1.8M
-8.4% YoY+1.6% QoQ
|
$-24.0M |
$25.8M
+0.7% YoY
|
$109.6M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 10.8% in tier |
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| ROA |
-2.5%
+1883.2% YoY-3.4% QoQ
|
-2.6% |
0.1%
-77.6% YoY
|
0.1%
-79.1% YoY
|
0.4%
-39.2% YoY
|
Bottom 3.9% in tier |
| NIM |
6.7%
-12.5% YoY-10.7% QoQ
|
+2.6% |
4.0%
+4.0% YoY
|
4.2%
-0.4% YoY
|
3.8%
+4.1% YoY
|
Top 1.8% in tier |
| Efficiency Ratio |
111.0%
+23.0% YoY+17.0% QoQ
|
+20.3% |
90.6%
+6.5% YoY
|
88.0%
+2.9% YoY
|
84.6%
+2.8% YoY
|
Bottom 9.1% in tier |
| Delinquency Rate |
5.9%
-30.2% YoY-10.7% QoQ
|
+4.4 |
1.5%
+3.8% YoY
|
1.7%
-21.7% YoY
|
1.2%
+3.4% YoY
|
Bottom 4.6% in tier |
| Loan To Share |
85.5%
-7.4% YoY-9.5% QoQ
|
+26.9% |
58.5%
-3.0% YoY
|
68.2%
-2.4% YoY
|
65.6%
-1.4% YoY
|
Top 12.1% in tier |
| AMR |
$3,062
-12.0% YoY-3.1% QoQ
|
$-12K |
$14,884
-1.7% YoY
|
$13,483
+2.5% YoY
|
$19,920
+1.6% YoY
|
Bottom 4.7% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 14.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.1% | 7.7% | 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: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
45
Net Interest Margin (NIM)
profitability
Value:
6.66%
Peer Median: 3.83%
#45 of 2508
Top 1.8% in <100M tier
268
Members Per Employee (MPE)
engagement
Value:
546.500
Peer Median: 333.750
#268 of 2508
Top 10.6% in <100M tier
275
Net Worth Ratio
risk
Value:
24.84%
Peer Median: 14.28%
#275 of 2508
Top 10.9% in <100M tier
302
Loan-to-Share Ratio
balance_sheet
Value:
85.45%
Peer Median: 58.72%
#302 of 2508
Top 12.0% in <100M tier
Top Weaknesses (13 metrics)
2410
Return on Assets (ROA)
profitability
Value:
-2.45%
Peer Median: 0.61%
#2410 of 2508
Bottom 3.9% in <100M tier
2394
Total Delinquency Rate (60+ days)
risk
Value:
5.95%
Peer Median: 0.65%
#2394 of 2508
Bottom 4.6% in <100M tier
2391
Average Member Relationship (AMR)
engagement
Value:
$3,062
Peer Median: $13,926
#2391 of 2508
Bottom 4.7% in <100M tier
2388
Net Charge-Off Rate
risk
Value:
2.53%
Peer Median: 0.07%
#2388 of 2508
Bottom 4.8% in <100M tier
2376
AMR Growth Rate
growth
Value:
-12.01%
Peer Median: 1.27%
#2376 of 2508
Bottom 5.3% in <100M tier
2374
Asset Growth Rate
growth
Value:
-9.32%
Peer Median: 1.30%
#2374 of 2508
Bottom 5.4% in <100M tier
2298
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,411
Peer Median: $4,923
#2298 of 2508
Bottom 8.4% in <100M tier
2284
Deposit Growth Rate
growth
Value:
-8.44%
Peer Median: 0.66%
#2284 of 2508
Bottom 9.0% in <100M tier
2280
Efficiency Ratio
profitability
Value:
110.97%
Peer Median: 81.45%
#2280 of 2508
Bottom 9.1% in <100M tier
2238
Total Deposits
balance_sheet
Value:
$1.80M
Peer Median: $18.77M
#2238 of 2508
Bottom 10.8% in <100M tier