BlastPoint's Credit Union Scorecard

JEFFERSON PARISH EMPLOYEES

Charter #13271 · LA

1069 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 65.9% in tier
  • + Organic Growth Engine: Top 81.3% in tier
  • + Emerging Performer: Top 94.5% in tier
  • + Net Interest Margin 0.24% above tier average
  • + Fee Income Per Member: Top 8.0% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 36.9% in tier
  • - ROA 0.19% below tier average
  • - Efficiency ratio 5.59% above tier (higher cost structure)

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Members 14,175
+1.8% YoY+0.6% QoQ
 -1.3K 15,437
-2.9% YoY
 9,309
+1.0% YoY
 33,374
+5.7% YoY
 54%
Assets $162.7M
+4.4% YoY+0.2% QoQ
 $-69.2M $231.9M
+1.3% YoY
 $122.7M
+4.8% YoY
 $561.6M
+9.7% YoY
 36%
Loans $115.1M
+8.2% YoY+4.2% QoQ
 $-32.2M $147.3M
-0.1% YoY
 $87.2M
+3.5% YoY
 $397.0M
+8.8% YoY
 45%
Deposits $142.6M
+3.5% YoY-0.4% QoQ
 $-58.2M $200.8M
+0.8% YoY
 $104.9M
+5.6% YoY
 $477.3M
+9.7% YoY
 37%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 0.6%
+7.6% YoY+55.5% QoQ
 -0.2% 0.8%
+18.2% YoY
 0.3%
+12.6% YoY
 0.7%
+15.9% YoY
 37%
NIM 3.8%
+7.8% YoY+3.1% QoQ
 +0.2% 3.6%
+6.7% YoY
 4.2%
+2.9% YoY
 3.8%
+5.1% YoY
 64%
Efficiency Ratio 82.6%
-2.6% YoY-3.9% QoQ
 +5.6% 77.0%
-3.1% YoY
 85.6%
-13.2% YoY
 79.7%
-3.3% YoY
 70%
Delinquency Rate 0.3%
-44.1% YoY-8.2% QoQ
 -0.5 0.9%
+4.2% YoY
 1.9%
-8.2% YoY
 1.3%
-2.1% YoY
 19%
Loan To Share 80.7%
+4.5% YoY+4.6% QoQ
 +8.5% 72.2%
-1.1% YoY
 71.2%
-2.0% YoY
 67.4%
-1.7% YoY
 66%
AMR $18,186
+3.7% YoY+1.0% QoQ
 $-6K $24,676
+3.4% YoY
 $13,375
+3.1% YoY
 $19,687
+2.0% YoY
 22%
CD Concentration 18.6%
+2.6% YoY-0.5% QoQ
 -5.8% 24.4% 15.2% 19.8% 50%
Indirect Auto % 6.9%
+194.1% YoY+39.1% QoQ
 -6.9% 13.8% 5.0% 7.8% 50%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth
#281 of 426 • Top 65.9% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 1.77%
(Tier: 0.69%, National: 4.32%)
better than tier avg
Indirect Auto %: 6.89%
(Tier: 13.79%, National: 7.78%)
better than tier avg
426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally
→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth
#484 of 595 • Top 81.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.77%
(Tier: 0.69%, National: 4.32%)
better than tier avg
Return on Assets: 0.57%
(Tier: 0.75%, National: 0.67%)
but worse than tier avg
Indirect Auto %: 6.89%
(Tier: 13.79%, National: 7.78%)
better than tier avg
595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally
→ No prior data (595 CUs now) | New qualifier

Emerging Performer

growth
#172 of 182 • Top 94.5% 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: 0.57%
(Tier: 0.75%, National: 0.67%)
but worse than tier avg
Member Growth (YoY): 1.77%
(Tier: 0.69%, National: 4.32%)
better than tier avg
182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally
→ No prior data (182 CUs now) | New qualifier

Concerns (1)

Efficiency Drag

risk
#199 of 538 • Bottom 36.9% in tier

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

Why This Signature
Efficiency Ratio: 82.61%
(Tier: 76.88%, National: 79.67%)
worse than tier avg
ROA Change (YoY): 0.04% points
(Tier: 0.11% points, National: 0.02% points)
worse than tier avg
Member Growth (YoY): 1.77%
(Tier: 0.69%, National: 4.32%)
but better than tier avg
538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally
↓ Shrinking -98 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)

Comparing against 1069 peers in tier

Top Strengths (3 metrics)

87
Fee Income Per Member
profitability
Value: $276.30
Peer Median: -
#87 of 1069 Top 8.0% in 100M-500M tier
208
Total Delinquency Rate (60+ days)
risk
Value: 0.34%
Peer Median: -
#208 of 1069 Top 19.4% in 100M-500M tier
255
Loan Growth Rate
growth
Value: 8.21%
Peer Median: -
#255 of 1069 Top 23.8% in 100M-500M tier

Top Weaknesses (3 metrics)

855
Members Per Employee (MPE)
engagement
Value: 253.125
Peer Median: -
#855 of 1069 Bottom 20.1% in 100M-500M tier
848
Net Charge-Off Rate
risk
Value: 0.68%
Peer Median: -
#848 of 1069 Bottom 20.8% in 100M-500M tier
832
Average Member Relationship (AMR)
engagement
Value: $18,186
Peer Median: -
#832 of 1069 Bottom 22.3% in 100M-500M tier
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