BlastPoint's Credit Union Scorecard

ST. BERNARD PARISH SCHOOL BOARD EMP

Charter #12944 · LA

<100M

2508 CUs in <100M nationally 107 in LA

ST. BERNARD PARISH SCHOOL BOARD EMP demonstrates 5 strengths

National Analysis

How does the industry compare?

LA Analysis

How does LA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 1.95% above tier average
+ Net Interest Margin 0.17% above tier average
+ Members Per Employee (MPE): Top 1.0% in tier
+ Net Worth Ratio: Top 2.8% in tier
+ Efficiency Ratio: Top 5.4% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Members	3,108 +0.2% YoY-13.2% QoQ	+431	2,676 +1.6% YoY	9,512 +2.6% YoY	33,913 +5.7% YoY	69%
Assets	$15.7M -0.7% YoY+1.3% QoQ	$-14.5M	$30.2M +1.3% YoY	$128.1M +5.9% YoY	$578.3M +9.0% YoY	42%
Loans	$7.9M -0.3% YoY-0.1% QoQ	$-7.4M	$15.3M -2.0% YoY	$89.6M +5.7% YoY	$402.4M +8.7% YoY	45%
Deposits	$9.8M -4.8% YoY+1.2% QoQ	$-16.0M	$25.8M +0.7% YoY	$109.6M +6.0% YoY	$494.3M +9.1% YoY	35%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	2.1% -5.0% YoY-9.7% QoQ	+2.0%	0.1% -77.6% YoY	0.1% -79.1% YoY	0.4% -39.2% YoY	Top 5.4% in tier
NIM	4.2% +0.1% YoY-0.0% QoQ	+0.2%	4.0% +4.0% YoY	4.2% -0.4% YoY	3.8% +4.1% YoY	66%
Efficiency Ratio	51.3% +6.0% YoY+12.1% QoQ	-39.4%	90.6% +6.5% YoY	88.0% +2.9% YoY	84.6% +2.8% YoY	Top 5.4% in tier
Delinquency Rate	1.1% +98.4% YoY+28.5% QoQ	-0.4	1.5% +3.8% YoY	1.7% -21.7% YoY	1.2% +3.4% YoY	66%
Loan To Share	80.7% +4.7% YoY-1.2% QoQ	+22.1%	58.5% -3.0% YoY	68.2% -2.4% YoY	65.6% -1.4% YoY	82%
AMR	$5,668 -3.0% YoY+15.9% QoQ	$-9K	$14,884 -1.7% YoY	$13,483 +2.5% YoY	$19,920 +1.6% YoY	Bottom 10.9% in tier
CD Concentration	12.7% +17.2% YoY+4.6% QoQ	-11.6%	24.3%	14.9%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	5.1%	7.7%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

Members Per Employee (MPE)

engagement

Value: 1036.000

Peer Median: 333.750

#25 of 2508 Top 1.0% in <100M tier

Net Worth Ratio

risk

Value: 37.64%

Peer Median: 14.28%

#70 of 2508 Top 2.8% in <100M tier

135

Return on Assets (ROA)

profitability

Value: 2.10%

Peer Median: 0.61%

#135 of 2508 Top 5.3% in <100M tier

137

Efficiency Ratio

profitability

Value: 51.28%

Peer Median: 81.45%

#137 of 2508 Top 5.4% in <100M tier

439

Loan-to-Share Ratio

balance_sheet

Value: 80.66%

Peer Median: 58.72%

#439 of 2508 Top 17.5% in <100M tier

Top Weaknesses (5 metrics)

2235

Average Member Relationship (AMR)

engagement

Value: $5,668

Peer Median: $13,926

#2235 of 2508 Bottom 10.9% in <100M tier

2089

Fee Income Per Member

profitability

Value: $6.66

Peer Median: $60.42

#2089 of 2508 Bottom 16.7% in <100M tier

2030

Deposit Growth Rate

growth

Value: -4.79%

Peer Median: 0.66%

#2030 of 2508 Bottom 19.1% in <100M tier

2030

Loan-to-Member Ratio (LMR)

engagement

Value: $2,530

Peer Median: $4,923

#2030 of 2508 Bottom 19.1% in <100M tier

1890

AMR Growth Rate

growth

Value: -3.03%

Peer Median: 1.27%

#1890 of 2508 Bottom 24.7% in <100M tier