BlastPoint's Credit Union Scorecard
XAVIER UNIVERSITY
Charter #12748 · LA
XAVIER UNIVERSITY has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 5.29% above tier average
- + Net Interest Margin 0.34% above tier average
- + Efficiency Ratio: Top 2.1% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.52% above tier average
- - Member decline: -2.1% YoY
- - Total Loans: Bottom 7.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.6% in tier
- - Total Assets: Bottom 7.9% in tier
- - Total Deposits: Bottom 8.6% in tier
- - Average Member Relationship (AMR): Bottom 9.1% in tier
- - Fee Income Per Member: Bottom 9.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
377
-2.1% YoY-1.6% QoQ
|
-2.2K |
2,615
-1.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
Bottom 10.2% in tier |
| Assets |
$1.6M
-1.8% YoY-6.8% QoQ
|
$-28.6M |
$30.1M
+2.1% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
Bottom 7.8% in tier |
| Loans |
$506,867
-12.2% YoY+2.0% QoQ
|
$-15.3M |
$15.8M
-1.3% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 7.5% in tier |
| Deposits |
$1.4M
-8.5% YoY-8.8% QoQ
|
$-24.3M |
$25.7M
+1.4% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 8.6% in tier |
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| ROA |
5.9%
-414.4% YoY-5.2% QoQ
|
+5.3% |
0.6%
+10.8% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
Top 0.4% in tier |
| NIM |
4.3%
+23.1% YoY+11.7% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
66% |
| Efficiency Ratio |
43.1%
-25.9% YoY-14.3% QoQ
|
-39.5% |
82.6%
-2.3% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
Top 2.1% in tier |
| Delinquency Rate |
3.1%
-1.7% YoY-30.1% QoQ
|
+1.5 |
1.6%
-3.1% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
Bottom 12.6% in tier |
| Loan To Share |
37.1%
-4.1% YoY+11.9% QoQ
|
-23.5% |
60.6%
-3.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
16% |
| AMR |
$4,969
-7.6% YoY-4.7% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
Bottom 9.0% 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)
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)