BlastPoint's Credit Union Scorecard
ST. BERNARD PARISH SCHOOL BOARD EMP
Charter #12944 · LA
ST. BERNARD PARISH SCHOOL BOARD EMP has 8 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.71% above tier average
- + Net Interest Margin 0.23% above tier average
- + Strong member growth: 15.1% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 0.5% in tier
- + Member Growth Rate: Top 2.0% in tier
- + Efficiency Ratio: Top 2.9% in tier
- + Net Worth Ratio: Top 2.9% in tier
Key Concerns
Areas that may need attention
- - AMR Growth Rate: Bottom 2.6% in tier
- - Average Member Relationship (AMR): Bottom 8.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,581
+15.1% YoY+15.4% QoQ
|
+965 |
2,615
-1.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
74% |
| Assets |
$15.5M
-2.5% YoY-2.4% QoQ
|
$-14.6M |
$30.1M
+2.1% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
42% |
| Loans |
$7.9M
-0.5% YoY+1.5% QoQ
|
$-7.9M |
$15.8M
-1.3% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
44% |
| Deposits |
$9.6M
-7.4% YoY-4.7% QoQ
|
$-16.1M |
$25.7M
+1.4% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
36% |
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| ROA |
2.3%
+10.5% YoY-0.7% QoQ
|
+1.7% |
0.6%
+10.8% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
Top 3.7% in tier |
| NIM |
4.2%
+8.5% YoY+0.9% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
62% |
| Efficiency Ratio |
45.8%
-1.9% YoY+1.8% QoQ
|
-36.8% |
82.6%
-2.3% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
Bottom 2.9% in tier |
| Delinquency Rate |
0.8%
-1.8% YoY+27.9% QoQ
|
-0.7 |
1.6%
-3.1% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
54% |
| Loan To Share |
81.7%
+7.4% YoY+6.5% QoQ
|
+21.1% |
60.6%
-3.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
80% |
| AMR |
$4,889
-16.9% YoY-15.1% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
Bottom 8.9% in tier |
| CD Concentration |
12.1%
+18.6% YoY+10.6% QoQ
|
-12.3% | 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)