BlastPoint's Credit Union Scorecard
ST. BERNARD PARISH SCHOOL BOARD EMP
Charter #12944 · LA
2596 CUs in <100M nationally
108 in LA
ST. BERNARD PARISH SCHOOL BOARD EMP demonstrates 6 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.66% above tier average
- + Net Interest Margin 0.21% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 0.9% in tier
- + Net Worth Ratio: Top 3.4% in tier
- + Efficiency Ratio: Top 3.8% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,104
+0.5% YoY-0.2% QoQ
|
+478 |
2,625
-2.2% YoY
|
9,352
+2.6% YoY
|
33,089
+6.1% YoY
|
68% |
| Assets |
$15.9M
-2.2% YoY-1.1% QoQ
|
$-14.0M |
$29.9M
+1.1% YoY
|
$121.4M
+4.9% YoY
|
$547.7M
+7.8% YoY
|
43% |
| Loans |
$7.8M
+4.9% YoY+0.6% QoQ
|
$-8.0M |
$15.8M
-2.4% YoY
|
$86.9M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
44% |
| Deposits |
$10.1M
-6.8% YoY-2.6% QoQ
|
$-15.3M |
$25.5M
+0.4% YoY
|
$103.9M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
37% |
| ROA |
2.3%
-0.8% YoY-1.6% QoQ
|
+1.7% |
0.7%
-731.4% YoY
|
0.5%
+1.1% YoY
|
0.7%
+273.4% YoY
|
Top 5.0% in tier |
| NIM |
4.1%
+0.3% YoY+0.3% QoQ
|
+0.2% |
3.9%
+3.8% YoY
|
4.3%
+3.2% YoY
|
3.7%
+5.0% YoY
|
60% |
| Efficiency Ratio |
45.0%
+1.7% YoY+2.7% QoQ
|
-36.4% |
81.4%
-2.4% YoY
|
82.9%
-3.6% YoY
|
79.1%
-3.3% YoY
|
Bottom 3.8% in tier |
| Delinquency Rate |
0.6%
+88.1% YoY+8.1% QoQ
|
-0.9 |
1.5%
-2.0% YoY
|
1.8%
-12.2% YoY
|
1.2%
-0.9% YoY
|
49% |
| Loan To Share |
76.7%
+12.5% YoY+3.3% QoQ
|
+15.5% |
61.2%
-3.0% YoY
|
70.9%
-2.6% YoY
|
68.0%
-1.7% YoY
|
73% |
| AMR |
$5,756
-2.6% YoY-1.0% QoQ
|
$-9K |
$14,627
-2.7% YoY
|
$13,297
+2.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 11.2% in tier |
| CD Concentration |
11.0%
+12.3% YoY+7.3% QoQ
|
-13.4% |
24.4%
+4.2% YoY
|
15.0%
+9.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% 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: 2.84%
#1 of 2596
Top 0.0% in <100M tier
24
Members Per Employee (MPE)
engagement
Value:
1034.667
Peer Avg: 365.701
#24 of 2596
Top 0.9% in <100M tier
90
Net Worth Ratio
risk
Value:
36.25%
Peer Avg: 16.43%
#90 of 2596
Top 3.4% in <100M tier
100
Efficiency Ratio
profitability
Value:
44.96%
Peer Avg: 81.39%
#100 of 2596
Top 3.8% in <100M tier
131
Return on Assets (ROA)
profitability
Value:
2.34%
Peer Avg: 0.68%
#131 of 2596
Top 5.0% in <100M tier
540
Loan Growth Rate
growth
Value:
4.86%
Peer Avg: 59.01%
#540 of 2596
Top 20.8% in <100M tier
Top Weaknesses (4 metrics)
2306
Average Member Relationship (AMR)
engagement
Value:
$5,756
Peer Avg: $14,627
#2306 of 2596
Bottom 11.2% in <100M tier
2277
Deposit Growth Rate
growth
Value:
-6.83%
Peer Avg: 16.80%
#2277 of 2596
Bottom 12.3% in <100M tier
2203
Fee Income Per Member
profitability
Value:
$5.72
Peer Avg: $182.96
#2203 of 2596
Bottom 15.2% in <100M tier
2130
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,499
Peer Avg: $5,488
#2130 of 2596
Bottom 18.0% in <100M tier