BlastPoint's Credit Union Scorecard
XAVIER UNIVERSITY
Charter #12748 · LA
XAVIER UNIVERSITY has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.48% above tier average
- + Net Charge-Off Rate: Top 3.2% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 7.42% above tier (higher cost structure)
- - Delinquency rate 2.15% above tier average
- - Member decline: -3.2% YoY
- - Total Loans: Bottom 7.5% in tier
- - Deposit Growth Rate: Bottom 7.6% in tier
- - Total Assets: Bottom 8.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.0% in tier
- - Total Deposits: Bottom 8.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
368
-3.2% YoY-2.4% QoQ
|
-2.3K |
2,676
+1.6% YoY
|
9,512
+2.6% YoY
|
33,913
+5.7% YoY
|
Bottom 10.0% in tier |
| Assets |
$1.6M
-2.5% YoY+3.2% QoQ
|
$-28.5M |
$30.2M
+1.3% YoY
|
$128.1M
+5.9% YoY
|
$578.3M
+9.0% YoY
|
Bottom 8.0% in tier |
| Loans |
$491,252
-3.4% YoY-3.1% QoQ
|
$-14.8M |
$15.3M
-2.0% YoY
|
$89.6M
+5.7% YoY
|
$402.4M
+8.7% YoY
|
Bottom 7.5% in tier |
| Deposits |
$1.4M
-9.3% YoY+3.5% QoQ
|
$-24.4M |
$25.8M
+0.7% YoY
|
$109.6M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 8.5% in tier |
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| ROA |
0.6%
-157.8% YoY-89.4% QoQ
|
+0.5% |
0.1%
-77.6% YoY
|
0.1%
-79.1% YoY
|
0.4%
-39.2% YoY
|
51% |
| NIM |
3.6%
+16.0% YoY-16.6% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
4.2%
-0.4% YoY
|
3.8%
+4.1% YoY
|
39% |
| Efficiency Ratio |
98.1%
+1.5% YoY+127.5% QoQ
|
+7.4% |
90.6%
+6.5% YoY
|
88.0%
+2.9% YoY
|
84.6%
+2.8% YoY
|
82% |
| Delinquency Rate |
3.7%
+128.7% YoY+18.8% QoQ
|
+2.1 |
1.5%
+3.8% YoY
|
1.7%
-21.7% YoY
|
1.2%
+3.4% YoY
|
Bottom 8.8% in tier |
| Loan To Share |
34.7%
+6.5% YoY-6.4% QoQ
|
-23.8% |
58.5%
-3.0% YoY
|
68.2%
-2.4% YoY
|
65.6%
-1.4% YoY
|
16% |
| AMR |
$5,178
-4.8% YoY+4.2% QoQ
|
$-10K |
$14,884
-1.7% YoY
|
$13,483
+2.5% YoY
|
$19,920
+1.6% YoY
|
Bottom 9.6% 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)
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)