BlastPoint's Credit Union Scorecard
S H P E
Charter #13248 · LA
S H P E has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.52% above tier average
- + Net Interest Margin 0.94% above tier average
Key Concerns
Areas that may need attention
- - Delinquency rate 6.85% above tier average
- - Net Worth Ratio: Bottom 2.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.0% in tier
- - Net Charge-Off Rate: Bottom 3.5% in tier
- - Average Member Relationship (AMR): Bottom 8.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,310
+0.4% YoY-12.6% QoQ
|
-1.4K |
2,676
+1.6% YoY
|
9,512
+2.6% YoY
|
33,913
+5.7% YoY
|
37% |
| Assets |
$4.0M
-0.8% YoY-2.5% QoQ
|
$-26.2M |
$30.2M
+1.3% YoY
|
$128.1M
+5.9% YoY
|
$578.3M
+9.0% YoY
|
16% |
| Loans |
$2.6M
-5.9% YoY-6.1% QoQ
|
$-12.7M |
$15.3M
-2.0% YoY
|
$89.6M
+5.7% YoY
|
$402.4M
+8.7% YoY
|
21% |
| Deposits |
$3.7M
+0.4% YoY-2.6% QoQ
|
$-22.1M |
$25.8M
+0.7% YoY
|
$109.6M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
18% |
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| ROA |
0.7%
-75.8% YoY+448.0% QoQ
|
+0.5% |
0.1%
-77.6% YoY
|
0.1%
-79.1% YoY
|
0.4%
-39.2% YoY
|
53% |
| NIM |
4.9%
-23.4% YoY-0.4% QoQ
|
+0.9% |
4.0%
+4.0% YoY
|
4.2%
-0.4% YoY
|
3.8%
+4.1% YoY
|
Top 12.6% in tier |
| Efficiency Ratio |
82.4%
+41.8% YoY+10.7% QoQ
|
-8.2% |
90.6%
+6.5% YoY
|
88.0%
+2.9% YoY
|
84.6%
+2.8% YoY
|
52% |
| Delinquency Rate |
8.4%
-10.7% YoY-19.4% QoQ
|
+6.9 |
1.5%
+3.8% YoY
|
1.7%
-21.7% YoY
|
1.2%
+3.4% YoY
|
Bottom 3.0% in tier |
| Loan To Share |
68.5%
-6.3% YoY-3.6% QoQ
|
+10.0% |
58.5%
-3.0% YoY
|
68.2%
-2.4% YoY
|
65.6%
-1.4% YoY
|
65% |
| AMR |
$4,800
-2.7% YoY+9.7% QoQ
|
$-10K |
$14,884
-1.7% YoY
|
$13,483
+2.5% YoY
|
$19,920
+1.6% YoY
|
Bottom 8.6% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 14.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)