BlastPoint's Credit Union Scorecard

EFCU FINANCIAL

Charter #13 · LA

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 4 in LA

View Mid-Market leaderboard →

EFCU FINANCIAL has 5 strengths but faces 6 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 30.0% in tier
+ ROA 0.20% above tier average
+ Strong member growth: 5.4% YoY
+ Members Per Employee (MPE): Top 6.5% in tier
+ Loan-to-Share Ratio: Top 9.5% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 11.2% in tier
- Credit Risk Growth: Bottom 36.8% in tier
- Indirect Auto Dependency: Bottom 39.5% in tier
- Credit Quality Pressure: Bottom 44.7% in tier
- Share Certificate Concentration (%): Bottom 2.0% in tier
- Indirect Auto Concentration (%): Bottom 2.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Members	72,182 +5.4% YoY+1.9% QoQ	-23.9K	96,048 -2.7% YoY	9,512 +2.6% YoY	33,913 +5.7% YoY	30%
Assets	$1.3B +6.1% YoY+3.3% QoQ	$-437.8M	$1.7B +0.4% YoY	$128.1M +5.9% YoY	$578.3M +9.0% YoY	28%
Loans	$1.1B +7.5% YoY+2.4% QoQ	$-95.6M	$1.2B +0.2% YoY	$89.6M +5.7% YoY	$402.4M +8.7% YoY	52%
Deposits	$1.1B +6.5% YoY+3.6% QoQ	$-346.9M	$1.5B +0.5% YoY	$109.6M +6.0% YoY	$494.3M +9.1% YoY	30%

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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	0.9% +0.1% YoY-4.7% QoQ	+0.2%	0.7% +27.6% YoY	0.1% -79.1% YoY	0.4% -39.2% YoY	72%
NIM	2.7% +6.5% YoY+0.7% QoQ	-0.7%	3.4% +6.2% YoY	4.2% -0.4% YoY	3.8% +4.1% YoY	Bottom 12.1% in tier
Efficiency Ratio	68.3% +3.6% YoY+3.8% QoQ	-6.3%	74.6% -3.0% YoY	88.0% +2.9% YoY	84.6% +2.8% YoY	24%
Delinquency Rate	0.3% +18.2% YoY-0.4% QoQ	-0.4	0.8% +6.9% YoY	1.7% -21.7% YoY	1.2% +3.4% YoY	19%
Loan To Share	99.9% +1.0% YoY-1.1% QoQ	+16.8%	83.2% -0.4% YoY	68.2% -2.4% YoY	65.6% -1.4% YoY	Top 9.8% in tier
AMR	$30,988 +1.5% YoY+1.1% QoQ	+$1K	$29,652 +2.3% YoY	$13,483 +2.5% YoY	$19,920 +1.6% YoY	65%
CD Concentration	50.6% +0.4% YoY-0.6% QoQ	+21.8%	28.8%	14.9%	19.8%	Top 1.8% in tier
Indirect Auto %	53.7% -3.1% YoY+0.3% QoQ	+35.6%	18.1%	5.1%	7.7%	Bottom 2.1% in tier

Signature Analysis

Strengths (1)

Emerging Performer

growth

#24 of 79 • Top 30.0% 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: 0.92%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 5.45%

(Tier: 3.50%, National: 10.19%)

better than tier avg

79 of 384 Mid-Market CUs have this signature | 260 nationally

→ No prior data (79 CUs now) | New qualifier

Concerns (4)

Indirect Auto Dependency

risk

#34 of 198 • Bottom 39.5% in tier

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

Why This Signature

Asset Growth (YoY): 6.15%

(Tier: 6.82%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 53.66%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 5.45%

(Tier: 3.50%, National: 10.19%)

but better than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank worsening

Liquidity Strain

risk

#34 of 148 • Bottom 11.2% in tier

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

Why This Signature

Loan-to-Share Ratio: 99.95%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 7.54%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 CUs YoY | Rank improving

Credit Risk Growth

risk

#118 of 183 • Bottom 36.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 7.54%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.05% points

(Tier: 0.06% points, National: 0.12% points)

but better than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Credit Quality Pressure

risk

#170 of 225 • Bottom 44.7% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.05% points

(Tier: 0.06% points, National: 0.12% points)

but better than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | New qualifier

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 306 peers in tier

Top Strengths (6 metrics)

Members Per Employee (MPE)

engagement

Value: 497.807

Peer Median: 345.077

#21 of 306 Top 6.5% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 99.95%

Peer Median: 85.31%

#30 of 306 Top 9.5% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.33%

Peer Median: 0.63%

#58 of 306 Top 18.6% in 1B-3B tier

Member Growth Rate

growth

Value: 5.45%

Peer Median: 2.03%

#59 of 306 Top 19.0% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $15,490

Peer Median: $12,733

#63 of 306 Top 20.3% in 1B-3B tier

Efficiency Ratio

profitability

Value: 68.33%

Peer Median: 75.16%

#75 of 306 Top 24.2% in 1B-3B tier

Top Weaknesses (4 metrics)

301

Share Certificate Concentration (%)

balance_sheet

Value: 50.61%

Peer Median: 27.93%

#301 of 306 Bottom 2.0% in 1B-3B tier

300

Indirect Auto Concentration (%)

balance_sheet

Value: 53.66%

Peer Median: 13.86%

#300 of 306 Bottom 2.3% in 1B-3B tier

269

Net Interest Margin (NIM)

profitability

Value: 2.68%

Peer Median: 3.37%

#269 of 306 Bottom 12.4% in 1B-3B tier

232

Net Worth Ratio

risk

Value: 9.64%

Peer Median: 10.85%

#232 of 306 Bottom 24.5% in 1B-3B tier