BlastPoint's Credit Union Scorecard
XAVIER UNIVERSITY
Charter #12748 · LA
2596 CUs in <100M nationally
108 in LA
XAVIER UNIVERSITY has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 5.55% 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
- + Efficiency Ratio: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.89% above tier average
- - Total Delinquency Rate (60+ days): Bottom 7.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.5% in tier
- - Total Loans: Bottom 7.5% in tier
- - Total Assets: Bottom 8.3% in tier
- - Net Charge-Off Rate: Bottom 8.4% in tier
- - Total Deposits: Bottom 9.5% in tier
- - Average Member Relationship (AMR): Bottom 9.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
383
-0.8% YoY+0.3% QoQ
|
-2.2K |
2,625
-2.2% YoY
|
9,352
+2.6% YoY
|
33,089
+6.1% YoY
|
Bottom 10.6% in tier |
| Assets |
$1.7M
+5.6% YoY-2.2% QoQ
|
$-28.1M |
$29.9M
+1.1% YoY
|
$121.4M
+4.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 8.3% in tier |
| Loans |
$496,981
-10.6% YoY-3.5% QoQ
|
$-15.3M |
$15.8M
-2.4% YoY
|
$86.9M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 7.5% in tier |
| Deposits |
$1.5M
+0.0% YoY-2.4% QoQ
|
$-24.0M |
$25.5M
+0.4% YoY
|
$103.9M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 9.5% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
6.2%
-288.0% YoY-32.3% QoQ
|
+5.5% |
0.7%
-731.4% YoY
|
0.5%
+1.1% YoY
|
0.7%
+273.4% YoY
|
Top 0.5% in tier |
| NIM |
3.8%
+17.6% YoY-8.6% QoQ
|
-0.1% |
3.9%
+3.8% YoY
|
4.3%
+3.2% YoY
|
3.7%
+5.0% YoY
|
48% |
| Efficiency Ratio |
50.3%
-22.4% YoY+0.7% QoQ
|
-31.1% |
81.4%
-2.4% YoY
|
82.9%
-3.6% YoY
|
79.1%
-3.3% YoY
|
Bottom 6.5% in tier |
| Delinquency Rate |
4.4%
-42.0% YoY+0.2% QoQ
|
+2.9 |
1.5%
-2.0% YoY
|
1.8%
-12.2% YoY
|
1.2%
-0.9% YoY
|
Top 7.3% in tier |
| Loan To Share |
33.2%
-10.6% YoY-1.1% QoQ
|
-28.1% |
61.2%
-3.0% YoY
|
70.9%
-2.6% YoY
|
68.0%
-1.7% YoY
|
Bottom 12.6% in tier |
| AMR |
$5,211
-2.1% YoY-3.0% QoQ
|
$-9K |
$14,627
-2.7% YoY
|
$13,297
+2.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 9.9% 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 (6 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
14
Return on Assets (ROA)
profitability
Value:
6.23%
Peer Avg: -
#14 of 2596
Top 0.5% in <100M tier
169
Efficiency Ratio
profitability
Value:
50.27%
Peer Avg: -
#169 of 2596
Top 6.5% in <100M tier
581
Asset Growth Rate
growth
Value:
5.63%
Peer Avg: -
#581 of 2596
Top 22.3% in <100M tier
Top Weaknesses (11 metrics)
2407
Total Delinquency Rate (60+ days)
risk
Value:
4.40%
Peer Avg: -
#2407 of 2596
Bottom 7.3% in <100M tier
2402
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,298
Peer Avg: -
#2402 of 2596
Bottom 7.5% in <100M tier
2402
Total Loans
balance_sheet
Value:
$496,981
Peer Avg: -
#2402 of 2596
Bottom 7.5% in <100M tier
2381
Total Assets
balance_sheet
Value:
$1.71M
Peer Avg: -
#2381 of 2596
Bottom 8.3% in <100M tier
2378
Net Charge-Off Rate
risk
Value:
1.52%
Peer Avg: -
#2378 of 2596
Bottom 8.4% in <100M tier
2350
Total Deposits
balance_sheet
Value:
$1.50M
Peer Avg: -
#2350 of 2596
Bottom 9.5% in <100M tier
2339
Average Member Relationship (AMR)
engagement
Value:
$5,211
Peer Avg: -
#2339 of 2596
Bottom 9.9% in <100M tier
2331
Fee Income Per Member
profitability
Value:
$2.25
Peer Avg: -
#2331 of 2596
Bottom 10.2% in <100M tier
2321
Total Members
engagement
Value:
383
Peer Avg: -
#2321 of 2596
Bottom 10.6% in <100M tier
2266
Loan-to-Share Ratio
balance_sheet
Value:
33.16%
Peer Avg: -
#2266 of 2596
Bottom 12.8% in <100M tier