BlastPoint's Credit Union Scorecard

EFCU FINANCIAL

Charter #13 · LA

Mid-Market 1B-3B
302 CUs in 1B-3B nationally 4 in LA
View Mid-Market leaderboard →

EFCU FINANCIAL has 4 strengths but faces 4 concerns

National Analysis

How does the industry compare?
Mid-Market Tier

What's your peer group doing?
LA Analysis

How does LA stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 31.6% in tier
  • + Organic Growth Engine: Top 53.2% in tier
  • + ROA 0.28% above tier average
  • + Members Per Employee (MPE): Top 4.6% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 16.4% in tier
  • - Liquidity Strain: Bottom 22.4% in tier
  • - Indirect Auto Concentration (%): Bottom 2.0% in tier
  • - Share Certificate Concentration (%): Bottom 2.0% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Members 70,858
+4.1% YoY+1.0% QoQ
 -26.6K 97,431
-2.4% YoY
 9,309
+1.0% YoY
 33,374
+5.7% YoY
 28%
Assets $1.2B
+6.3% YoY+2.0% QoQ
 $-482.8M $1.7B
+0.9% YoY
 $122.7M
+4.8% YoY
 $561.6M
+9.7% YoY
 25%
Loans $1.1B
+7.3% YoY+1.0% QoQ
 $-142.5M $1.2B
+0.5% YoY
 $87.2M
+3.5% YoY
 $397.0M
+8.8% YoY
 48%
Deposits $1.1B
+6.5% YoY+2.0% QoQ
 $-379.3M $1.5B
+0.9% YoY
 $104.9M
+5.6% YoY
 $477.3M
+9.7% YoY
 28%

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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 1.0%
+13.5% YoY-1.6% QoQ
 +0.3% 0.7%
+20.9% YoY
 0.3%
+12.6% YoY
 0.7%
+15.9% YoY
 76%
NIM 2.7%
+18.1% YoY+1.2% QoQ
 -0.6% 3.3%
+9.2% YoY
 4.2%
+2.9% YoY
 3.8%
+5.1% YoY
 16%
Efficiency Ratio 65.8%
-1.2% YoY-0.4% QoQ
 -8.2% 74.1%
-9.5% YoY
 85.6%
-13.2% YoY
 79.7%
-3.3% YoY
 18%
Delinquency Rate 0.3%
-1.0% YoY+1.2% QoQ
 -0.6 0.9%
+6.2% YoY
 1.9%
-8.2% YoY
 1.3%
-2.1% YoY
 Bottom 11.9% in tier
Loan To Share 101.1%
+0.7% YoY-1.0% QoQ
 +16.3% 84.8%
-0.8% YoY
 71.2%
-2.0% YoY
 67.4%
-1.7% YoY
 Top 11.3% in tier
AMR $30,652
+2.7% YoY+0.6% QoQ
 +$1K $29,428
+2.4% YoY
 $13,375
+3.1% YoY
 $19,687
+2.0% YoY
 64%
CD Concentration 50.9%
-1.3% YoY-0.6% QoQ
 +21.9% 29.0% 15.2% 19.8% Top 1.6% in tier
Indirect Auto % 53.5%
-3.3% YoY-1.5% QoQ
 +35.2% 18.3% 5.0% 7.8% Top 1.9% in tier

Signature Analysis

Strengths (2)

Emerging Performer

growth
#25 of 77 • Top 31.6% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature
Return on Assets: 0.96%
(Tier: 0.69%, National: 0.67%)
better than tier avg
Member Growth (YoY): 4.11%
(Tier: 3.43%, National: 4.32%)
better than tier avg
77 of 378 Mid-Market CUs have this signature | 282 nationally
→ No prior data (77 CUs now) | New qualifier

Organic Growth Engine

growth
#132 of 247 • Top 53.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.11%
(Tier: 3.43%, National: 4.32%)
better than tier avg
Return on Assets: 0.96%
(Tier: 0.69%, National: 0.67%)
better than tier avg
Indirect Auto %: 53.50%
(Tier: 18.31%, National: 7.78%)
but worse than tier avg
247 of 378 Mid-Market CUs have this signature | 913 nationally
→ No prior data (247 CUs now) | New qualifier

Concerns (2)

Indirect Auto Dependency

risk
#33 of 196 • Bottom 16.4% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 6.35%
(Tier: 6.83%, National: 3.54%)
worse than tier avg
Indirect Auto %: 53.50%
(Tier: 18.31%, National: 7.78%)
worse than tier avg
Member Growth (YoY): 4.11%
(Tier: 3.43%, National: 4.32%)
but better than tier avg
196 of 378 Mid-Market CUs have this signature | 745 nationally
↓ Shrinking -11 CUs YoY | Rank worsening

Liquidity Strain

risk
#38 of 166 • Bottom 22.4% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 101.10%
(Tier: 85.73%, National: 67.44%)
but better than tier avg
Loan Growth (YoY): 7.34%
(Tier: 6.38%, National: 111.96%)
but better than tier avg
166 of 378 Mid-Market CUs have this signature | 439 nationally
↓ Shrinking -7 CUs YoY | Rank improving

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)

Comparing against 302 peers in tier

Top Strengths (7 metrics)

15
Members Per Employee (MPE)
engagement
Value: 502.539
Peer Median: -
#15 of 302 Top 4.6% in 1B-3B tier
34
Loan-to-Share Ratio
balance_sheet
Value: 101.10%
Peer Median: -
#34 of 302 Top 10.9% in 1B-3B tier
37
Total Delinquency Rate (60+ days)
risk
Value: 0.33%
Peer Median: -
#37 of 302 Top 11.9% in 1B-3B tier
57
Efficiency Ratio
profitability
Value: 65.82%
Peer Median: -
#57 of 302 Top 18.5% in 1B-3B tier
69
Loan-to-Member Ratio (LMR)
engagement
Value: $15,410
Peer Median: -
#69 of 302 Top 22.5% in 1B-3B tier
74
Return on Assets (ROA)
profitability
Value: 0.96%
Peer Median: -
#74 of 302 Top 24.2% in 1B-3B tier
74
Net Charge-Off Rate
risk
Value: 0.32%
Peer Median: -
#74 of 302 Top 24.2% in 1B-3B tier

Top Weaknesses (4 metrics)

297
Indirect Auto Concentration (%)
balance_sheet
Value: 53.50%
Peer Median: -
#297 of 302 Bottom 2.0% in 1B-3B tier
297
Share Certificate Concentration (%)
balance_sheet
Value: 50.90%
Peer Median: -
#297 of 302 Bottom 2.0% in 1B-3B tier
255
Net Interest Margin (NIM)
profitability
Value: 2.66%
Peer Median: -
#255 of 302 Bottom 15.9% in 1B-3B tier
228
Net Worth Ratio
risk
Value: 9.72%
Peer Median: -
#228 of 302 Bottom 24.8% in 1B-3B tier
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