BlastPoint's Credit Union Scorecard
ST. BERNARD PARISH SCHOOL BOARD EMP
Charter #12944 · LA
ST. BERNARD PARISH SCHOOL BOARD EMP demonstrates 5 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.49% above tier average
- + Net Interest Margin 0.10% above tier average
- + Members Per Employee (MPE): Top 0.9% in tier
- + Net Worth Ratio: Top 2.9% in tier
- + Efficiency Ratio: Top 5.4% in tier
Key Concerns
Areas that may need attention
No key concerns identified
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 107 that size in Louisiana.
- Shares and deposits -4.9% year over year ($9.9M in shares and deposits).
- Membership: 3,092 members, -0.6% vs a year ago.
- Delinquency rate 0.38%.
- Return on assets 1.99%.
- Efficiency ratio 51.74% vs a 88.77% peer average.
- Loan-to-share ratio 81.20% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,092
-0.6% YoY-0.5% QoQ
|
+506 |
2,585
-1.7% YoY
|
9,550
+2.7% YoY
|
34,678
+6.6% YoY
|
69% |
| Assets |
$15.9M
-1.0% YoY+1.2% QoQ
|
$-14.4M |
$30.3M
+1.5% YoY
|
$130.2M
+7.1% YoY
|
$593.1M
+10.2% YoY
|
42% |
| Loans |
$8.0M
+4.0% YoY+2.0% QoQ
|
$-7.4M |
$15.5M
-1.7% YoY
|
$92.6M
+7.3% YoY
|
$418.6M
+10.1% YoY
|
46% |
| Deposits |
$9.9M
-4.9% YoY+1.3% QoQ
|
$-15.9M |
$25.8M
+1.1% YoY
|
$111.6M
+7.6% YoY
|
$504.8M
+10.3% YoY
|
36% |
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| ROA |
2.0%
-16.6% YoY-5.5% QoQ
|
+0.5% |
1.5%
+241.5% YoY
|
1.1%
+258.0% YoY
|
1.2%
+121.4% YoY
|
Top 9.7% in tier |
| NIM |
4.0%
-3.3% YoY-4.4% QoQ
|
+0.1% |
3.9%
+0.9% YoY
|
4.2%
-0.2% YoY
|
3.8%
+2.3% YoY
|
56% |
| Efficiency Ratio |
51.7%
+18.2% YoY+0.9% QoQ
|
-37.0% |
88.8%
-6.9% YoY
|
89.3%
+0.7% YoY
|
83.0%
-5.3% YoY
|
Top 5.4% in tier |
| Delinquency Rate |
0.4%
-35.8% YoY-63.9% QoQ
|
-1.2 |
1.5%
+2.1% YoY
|
2.0%
+21.9% YoY
|
1.3%
+2.6% YoY
|
36% |
| Loan To Share |
81.2%
+9.4% YoY+0.7% QoQ
|
+22.3% |
58.9%
-3.1% YoY
|
68.1%
-2.7% YoY
|
66.4%
-1.4% YoY
|
82% |
| AMR |
$5,789
-0.5% YoY+2.1% QoQ
|
$-9K |
$14,963
-6.8% YoY
|
$13,536
+2.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 10.9% in tier |
| CD Concentration |
12.3%
+20.8% YoY-2.7% QoQ
|
-12.2% | 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)