BlastPoint's Credit Union Scorecard
S H P E
Charter #13248 · LA
2556 CUs in <100M nationally
109 in LA
S H P E has 6 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.01% above tier average
- + Strong member growth: 14.4% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 2.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.50% below tier average
- - Delinquency rate 8.82% above tier average
- - Total Delinquency Rate (60+ days): Bottom 2.2% in tier
- - Net Worth Ratio: Bottom 2.3% in tier
- - AMR Growth Rate: Bottom 4.6% in tier
- - Average Member Relationship (AMR): Bottom 7.1% in tier
- - Net Charge-Off Rate: Bottom 8.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,498
+14.4% YoY+14.4% QoQ
|
-1.1K |
2,615
-1.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
40% |
| Assets |
$4.1M
+3.1% YoY-0.6% QoQ
|
$-26.0M |
$30.1M
+2.1% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
16% |
| Loans |
$2.7M
-3.0% YoY-1.0% QoQ
|
$-13.0M |
$15.8M
-1.3% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
22% |
| Deposits |
$3.8M
+3.5% YoY+0.3% QoQ
|
$-21.9M |
$25.7M
+1.4% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
18% |
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| ROA |
0.1%
-75.9% YoY-78.2% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
22% |
| NIM |
5.0%
+1.9% YoY-10.7% QoQ
|
+1.0% |
4.0%
+4.0% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
85% |
| Efficiency Ratio |
74.4%
-4.4% YoY+9.5% QoQ
|
-8.1% |
82.6%
-2.3% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
37% |
| Delinquency Rate |
10.4%
+21.0% YoY-0.3% QoQ
|
+8.8 |
1.6%
-3.1% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
Top 2.2% in tier |
| Loan To Share |
71.1%
-6.3% YoY-1.3% QoQ
|
+10.5% |
60.6%
-3.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
66% |
| AMR |
$4,374
-11.9% YoY-12.7% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
Bottom 7.0% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 15.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.0% | 7.8% | 50% |
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 (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
56
Member Growth Rate
growth
Value:
14.35%
Peer Median: -
#56 of 2556
Top 2.2% in <100M tier
371
Members Per Employee (MPE)
engagement
Value:
499.333
Peer Median: -
#371 of 2556
Top 14.5% in <100M tier
385
Net Interest Margin (NIM)
profitability
Value:
4.96%
Peer Median: -
#385 of 2556
Top 15.0% in <100M tier
Top Weaknesses (11 metrics)
2501
Total Delinquency Rate (60+ days)
risk
Value:
10.37%
Peer Median: -
#2501 of 2556
Bottom 2.2% in <100M tier
2497
Net Worth Ratio
risk
Value:
7.26%
Peer Median: -
#2497 of 2556
Bottom 2.3% in <100M tier
2439
AMR Growth Rate
growth
Value:
-11.95%
Peer Median: -
#2439 of 2556
Bottom 4.6% in <100M tier
2376
Average Member Relationship (AMR)
engagement
Value:
$4,374
Peer Median: -
#2376 of 2556
Bottom 7.1% in <100M tier
2335
Net Charge-Off Rate
risk
Value:
1.56%
Peer Median: -
#2335 of 2556
Bottom 8.7% in <100M tier
2277
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,818
Peer Median: -
#2277 of 2556
Bottom 11.0% in <100M tier
2186
Fee Income Per Member
profitability
Value:
$5.76
Peer Median: -
#2186 of 2556
Bottom 14.5% in <100M tier
2141
Total Assets
balance_sheet
Value:
$4.13M
Peer Median: -
#2141 of 2556
Bottom 16.3% in <100M tier
2083
Total Deposits
balance_sheet
Value:
$3.83M
Peer Median: -
#2083 of 2556
Bottom 18.5% in <100M tier
2005
Return on Assets (ROA)
profitability
Value:
0.12%
Peer Median: -
#2005 of 2556
Bottom 21.6% in <100M tier