BlastPoint's Credit Union Scorecard

JEFFERSON PARISH EMPLOYEES

Charter #13271 · LA

100M-500M

1070 CUs in 100M-500M nationally 21 in LA

JEFFERSON PARISH EMPLOYEES has 5 strengths but faces 3 concerns

National Analysis

How does the industry compare?

LA Analysis

How does LA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ Net Interest Margin 0.45% above tier average
+ Fee Income Per Member: Top 9.3% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.20% below tier average
- Efficiency ratio 9.27% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Members	14,265 +2.2% YoY+0.6% QoQ	-880	15,145 -2.5% YoY	9,512 +2.6% YoY	33,913 +5.7% YoY	56%
Assets	$165.2M +0.7% YoY+1.5% QoQ	$-66.6M	$231.7M +0.8% YoY	$128.1M +5.9% YoY	$578.3M +9.0% YoY	37%
Loans	$116.0M +10.1% YoY+0.7% QoQ	$-28.2M	$144.1M +0.2% YoY	$89.6M +5.7% YoY	$402.4M +8.7% YoY	47%
Deposits	$144.9M -0.4% YoY+1.5% QoQ	$-56.3M	$201.1M +0.4% YoY	$109.6M +6.0% YoY	$494.3M +9.1% YoY	38%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.5% +22.4% YoY-7.9% QoQ	-0.2%	0.7% +5.1% YoY	0.1% -79.1% YoY	0.4% -39.2% YoY	38%
NIM	4.1% +10.7% YoY+6.2% QoQ	+0.5%	3.6% +4.6% YoY	4.2% -0.4% YoY	3.8% +4.1% YoY	78%
Efficiency Ratio	87.3% +1.8% YoY+5.7% QoQ	+9.3%	78.0% -1.7% YoY	88.0% +2.9% YoY	84.6% +2.8% YoY	78%
Delinquency Rate	0.4% -29.3% YoY+27.3% QoQ	-0.3	0.8% +7.1% YoY	1.7% -21.7% YoY	1.2% +3.4% YoY	35%
Loan To Share	80.1% +10.5% YoY-0.8% QoQ	+9.6%	70.4% -0.4% YoY	68.2% -2.4% YoY	65.6% -1.4% YoY	68%
AMR	$18,285 +1.8% YoY+0.5% QoQ	$-7K	$24,918 +2.7% YoY	$13,483 +2.5% YoY	$19,920 +1.6% YoY	22%
CD Concentration	19.7% +10.7% YoY+5.5% QoQ	-4.6%	24.3%	14.9%	19.8%	50%
Indirect Auto %	8.5% +180.9% YoY+23.1% QoQ	-5.3%	13.8%	5.1%	7.7%	50%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#214 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.17%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 8.47%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#301 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.17%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.53%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 8.47%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Emerging Performer

growth

#154 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.53%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Member Growth (YoY): 2.17%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Concerns (1)

Efficiency Drag

risk

#159 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 87.30%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.10% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): 2.17%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (3 metrics)

100

Fee Income Per Member

profitability

Value: $258.37

Peer Median: $154.95

#100 of 1070 Top 9.3% in 100M-500M tier

177

Loan Growth Rate

growth

Value: 10.11%

Peer Median: 2.93%

#177 of 1070 Top 16.4% in 100M-500M tier

239

Net Interest Margin (NIM)

profitability

Value: 4.08%

Peer Median: 3.62%

#239 of 1070 Top 22.2% in 100M-500M tier

Top Weaknesses (6 metrics)

882

Deposit Growth Rate

growth

Value: -0.39%

Peer Median: 3.30%

#882 of 1070 Bottom 17.7% in 100M-500M tier

859

Members Per Employee (MPE)

engagement

Value: 250.263

Peer Median: 309.176

#859 of 1070 Bottom 19.8% in 100M-500M tier

838

Efficiency Ratio

profitability

Value: 87.30%

Peer Median: 78.68%

#838 of 1070 Bottom 21.8% in 100M-500M tier

837

Asset Growth Rate

growth

Value: 0.72%

Peer Median: 3.91%

#837 of 1070 Bottom 21.9% in 100M-500M tier

837

Average Member Relationship (AMR)

engagement

Value: $18,285

Peer Median: $22,931

#837 of 1070 Bottom 21.9% in 100M-500M tier

809

Net Charge-Off Rate

risk

Value: 0.65%

Peer Median: 0.35%

#809 of 1070 Bottom 24.5% in 100M-500M tier