BlastPoint's Credit Union Scorecard
XAVIER UNIVERSITY
Charter #12748 · LA
XAVIER UNIVERSITY faces 8 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.23% below tier average
- - Delinquency rate 0.64% above tier average
- - Member decline: -3.9% YoY
- - Loan-to-Member Ratio (LMR): Bottom 7.0% in tier
- - Total Loans: Bottom 7.1% in tier
- - Total Assets: Bottom 7.9% in tier
- - Net Charge-Off Rate: Bottom 8.7% in tier
- - Total Deposits: Bottom 8.8% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
367
-3.9% YoY-0.3% QoQ
|
-2.2K |
2,585
-1.7% YoY
|
9,550
+2.7% YoY
|
34,678
+6.6% YoY
|
Bottom 10.0% in tier |
| Assets |
$1.7M
-3.1% YoY+3.1% QoQ
|
$-28.6M |
$30.3M
+1.5% YoY
|
$130.2M
+7.1% YoY
|
$593.1M
+10.2% YoY
|
Bottom 7.8% in tier |
| Loans |
$452,967
-12.0% YoY-7.8% QoQ
|
$-15.0M |
$15.5M
-1.7% YoY
|
$92.6M
+7.3% YoY
|
$418.6M
+10.1% YoY
|
Bottom 7.1% in tier |
| Deposits |
$1.5M
-5.2% YoY+3.0% QoQ
|
$-24.3M |
$25.8M
+1.1% YoY
|
$111.6M
+7.6% YoY
|
$504.8M
+10.3% YoY
|
Bottom 8.8% in tier |
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| ROA |
1.3%
-86.3% YoY+101.5% QoQ
|
-0.2% |
1.5%
+241.5% YoY
|
1.1%
+258.0% YoY
|
1.2%
+121.4% YoY
|
72% |
| NIM |
3.8%
-10.2% YoY+5.4% QoQ
|
-0.1% |
3.9%
+0.9% YoY
|
4.2%
-0.2% YoY
|
3.8%
+2.3% YoY
|
45% |
| Efficiency Ratio |
67.0%
+34.3% YoY-31.6% QoQ
|
-21.7% |
88.8%
-6.9% YoY
|
89.3%
+0.7% YoY
|
83.0%
-5.3% YoY
|
21% |
| Delinquency Rate |
2.2%
-50.3% YoY-40.3% QoQ
|
+0.6 |
1.5%
+2.1% YoY
|
2.0%
+21.9% YoY
|
1.3%
+2.6% YoY
|
81% |
| Loan To Share |
31.1%
-7.2% YoY-10.4% QoQ
|
-27.8% |
58.9%
-3.1% YoY
|
68.1%
-2.7% YoY
|
66.4%
-1.4% YoY
|
Bottom 12.2% in tier |
| AMR |
$5,202
-3.1% YoY+0.5% QoQ
|
$-10K |
$14,963
-6.8% YoY
|
$13,536
+2.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 9.4% 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)