BlastPoint's Credit Union Scorecard
S H P E
Charter #13248 · 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
|
36% |
| 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
|
17% |
| 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
|
22% |
| 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
|
19% |
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| 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
|
40% |
| 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
|
27% |
| 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
|
66% |
| 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
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.3%
+10.6% YoY
|
7.9%
-2.9% YoY
|
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)