BlastPoint's Credit Union Scorecard
EFCU FINANCIAL
Charter #13 · LA
EFCU FINANCIAL has 6 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does LA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 19.2% in tier
- + Emerging Performer: Top 36.6% in tier
- + Credit Quality Leader: Top 63.8% in tier
- + ROA 0.27% above tier average
- + Members Per Employee (MPE): Top 6.2% in tier
- + Loan-to-Share Ratio: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 1.5% in tier
- - Liquidity Strain: Bottom 4.6% in tier
- - Indirect Auto Concentration (%): Bottom 2.0% in tier
- - Share Certificate Concentration (%): Bottom 2.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
70,187
+3.9% YoY+1.2% QoQ
|
-28.5K |
98,678
-1.9% YoY
|
9,352
+2.6% YoY
|
33,089
+6.1% YoY
|
26% |
| Assets |
$1.2B
+8.1% YoY-0.8% QoQ
|
$-503.0M |
$1.7B
+0.5% YoY
|
$121.4M
+4.9% YoY
|
$547.7M
+7.8% YoY
|
23% |
| Loans |
$1.1B
+9.2% YoY+1.4% QoQ
|
$-152.0M |
$1.2B
+0.5% YoY
|
$86.9M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
48% |
| Deposits |
$1.1B
+8.7% YoY-0.6% QoQ
|
$-395.9M |
$1.5B
+1.3% YoY
|
$103.9M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
26% |
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| ROA |
1.0%
+10.3% YoY+0.5% QoQ
|
+0.3% |
0.7%
+13.4% YoY
|
0.5%
+1.1% YoY
|
0.7%
+273.4% YoY
|
75% |
| NIM |
2.6%
+15.6% YoY+2.7% QoQ
|
-0.6% |
3.3%
+9.3% YoY
|
4.3%
+3.2% YoY
|
3.7%
+5.0% YoY
|
16% |
| Efficiency Ratio |
66.1%
-1.1% YoY+2.3% QoQ
|
-7.9% |
74.0%
-10.9% YoY
|
82.9%
-3.6% YoY
|
79.1%
-3.3% YoY
|
20% |
| Delinquency Rate |
0.3%
-5.1% YoY+5.9% QoQ
|
-0.5 |
0.8%
+6.1% YoY
|
1.8%
-12.2% YoY
|
1.2%
-0.9% YoY
|
16% |
| Loan To Share |
102.1%
+0.4% YoY+2.0% QoQ
|
+16.9% |
85.2%
-0.8% YoY
|
70.9%
-2.6% YoY
|
68.0%
-1.7% YoY
|
Top 10.2% in tier |
| AMR |
$30,482
+4.9% YoY-0.8% QoQ
|
+$1K |
$29,172
+2.8% YoY
|
$13,297
+2.9% YoY
|
$19,418
+1.3% YoY
|
65% |
| CD Concentration |
51.2%
+1.3% YoY-0.4% QoQ
|
+22.2% |
29.0%
+0.7% YoY
|
15.0%
+9.1% YoY
|
19.6%
+6.2% YoY
|
Top 1.6% in tier |
| Indirect Auto % |
54.3%
-2.6% YoY-0.8% QoQ
|
+35.6% |
18.8%
-3.0% YoY
|
5.3%
+10.6% YoY
|
7.9%
-2.9% YoY
|
Top 1.6% in tier |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)