S H P E
Charter #13248 | LA
<100M
(2596 CUs)
Micro
($0-$500M)
108 <100M in LA
S H P E has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.63% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.12% below tier average
- - Delinquency rate 8.90% above tier average
- - Total Delinquency Rate (60+ days): Bottom 2.3% in tier
- - Net Worth Ratio: Bottom 3.8% in tier
- - Net Charge-Off Rate: Bottom 5.1% in tier
- - Average Member Relationship (AMR): Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,310
+0.5% YoY+0.2% QoQ
|
-1.3K |
2,625
-2.2% YoY
|
9,352
+2.6% YoY
|
33,089
+6.1% YoY
|
36th in tier |
| Assets |
$4.2M
+1.5% YoY+2.0% QoQ
|
$-25.7M |
$29.9M
+1.1% YoY
|
$121.4M
+4.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 16.8% in tier |
| Loans |
$2.8M
-3.5% YoY-1.2% QoQ
|
$-13.0M |
$15.8M
-2.4% YoY
|
$86.9M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 22.3% in tier |
| Deposits |
$3.8M
+1.7% YoY+2.4% QoQ
|
$-21.6M |
$25.5M
+0.4% YoY
|
$103.9M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 18.6% in tier |
| ROA |
0.6%
-61.5% YoY-62.0% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.5%
+1.1% YoY
|
0.7%
+273.4% YoY
|
40th in tier |
| NIM |
5.6%
+1.6% YoY-3.8% QoQ
|
+1.6% |
3.9%
+3.8% YoY
|
4.3%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Top 6.8% in tier |
| Efficiency Ratio |
68.0%
-0.6% YoY+6.0% QoQ
|
-13.4% |
81.4%
-2.4% YoY
|
82.9%
-3.6% YoY
|
79.1%
-3.3% YoY
|
27th in tier |
| Delinquency Rate |
10.4%
+61.8% YoY-6.4% QoQ
|
+8.9 |
1.5%
-2.0% YoY
|
1.8%
-12.2% YoY
|
1.2%
-0.9% YoY
|
Top 2.3% in tier |
| Loan To Share |
72.0%
-5.2% YoY-3.5% QoQ
|
+10.8% |
61.2%
-3.0% YoY
|
70.9%
-2.6% YoY
|
68.0%
-1.7% YoY
|
66th in tier |
| AMR |
$5,013
-1.0% YoY+0.7% QoQ
|
$-10K |
$14,627
-2.7% YoY
|
$13,297
+2.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 9.4% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
15.0%
+9.1% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
5.3%
+10.6% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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 (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
177
Net Interest Margin (NIM)
profitability
Value:
5.56%
Peer Avg: 3.93%
#177 of 2596
Top 6.8% in <100M tier
582
Members Per Employee (MPE)
engagement
Value:
436.667
Peer Avg: 365.701
#582 of 2596
Top 22.4% in <100M tier
Top Weaknesses (9 metrics)
2538
Total Delinquency Rate (60+ days)
risk
Value:
10.41%
Peer Avg: 1.51%
#2538 of 2596
Bottom 2.3% in <100M tier
2499
Net Worth Ratio
risk
Value:
7.76%
Peer Avg: 16.43%
#2499 of 2596
Bottom 3.8% in <100M tier
2464
Net Charge-Off Rate
risk
Value:
2.18%
Peer Avg: 0.57%
#2464 of 2596
Bottom 5.1% in <100M tier
2351
Average Member Relationship (AMR)
engagement
Value:
$5,013
Peer Avg: $14,627
#2351 of 2596
Bottom 9.5% in <100M tier
2236
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,099
Peer Avg: $5,488
#2236 of 2596
Bottom 13.9% in <100M tier
2179
Fee Income Per Member
profitability
Value:
$6.69
Peer Avg: $182.96
#2179 of 2596
Bottom 16.1% in <100M tier
2161
Total Assets
balance_sheet
Value:
$4.16M
Peer Avg: $29.86M
#2161 of 2596
Bottom 16.8% in <100M tier
2113
Total Deposits
balance_sheet
Value:
$3.82M
Peer Avg: $25.45M
#2113 of 2596
Bottom 18.6% in <100M tier
2016
Total Loans
balance_sheet
Value:
$2.75M
Peer Avg: $15.77M
#2016 of 2596
Bottom 22.4% in <100M tier