BlastPoint's Credit Union Scorecard
JEFFERSON PARISH EMPLOYEES
Charter #13271 · LA
JEFFERSON PARISH EMPLOYEES has 5 strengths but faces 3 concerns
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 0.47% above tier average
- + Fee Income Per Member: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.36% below tier average
- - Efficiency ratio 8.66% above tier (higher cost structure)
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 21 that size in Louisiana.
- Shares and deposits +0.4% year over year ($145M in shares and deposits).
- Membership: 14,321 members, +2.0% vs a year ago.
- Delinquency rate 0.44%.
- Return on assets 0.51%.
- Efficiency ratio 85.40% vs a 76.73% peer average.
- Loan-to-share ratio 82.16% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,321
+2.0% YoY+0.4% QoQ
|
-847 |
15,168
-2.6% YoY
|
9,550
+2.7% YoY
|
34,678
+6.6% YoY
|
56% |
| Assets |
$166.1M
+1.5% YoY+0.5% QoQ
|
$-66.0M |
$232.0M
+0.7% YoY
|
$130.2M
+7.1% YoY
|
$593.1M
+10.2% YoY
|
37% |
| Loans |
$119.4M
+9.5% YoY+3.0% QoQ
|
$-26.8M |
$146.3M
+0.2% YoY
|
$92.6M
+7.3% YoY
|
$418.6M
+10.1% YoY
|
48% |
| Deposits |
$145.4M
+0.4% YoY+0.4% QoQ
|
$-55.3M |
$200.7M
+0.2% YoY
|
$111.6M
+7.6% YoY
|
$504.8M
+10.3% YoY
|
38% |
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| ROA |
0.5%
+74.6% YoY-4.0% QoQ
|
-0.4% |
0.9%
+12.5% YoY
|
1.1%
+258.0% YoY
|
1.2%
+121.4% YoY
|
29% |
| NIM |
4.2%
+13.4% YoY+1.8% QoQ
|
+0.5% |
3.7%
+4.5% YoY
|
4.2%
-0.2% YoY
|
3.8%
+2.3% YoY
|
78% |
| Efficiency Ratio |
85.4%
-0.3% YoY-2.2% QoQ
|
+8.7% |
76.7%
-0.8% YoY
|
89.3%
+0.7% YoY
|
83.0%
-5.3% YoY
|
77% |
| Delinquency Rate |
0.4%
-4.5% YoY+1.0% QoQ
|
-0.4 |
0.9%
+6.6% YoY
|
2.0%
+21.9% YoY
|
1.3%
+2.6% YoY
|
31% |
| Loan To Share |
82.2%
+9.0% YoY+2.6% QoQ
|
+10.6% |
71.5%
-0.3% YoY
|
68.1%
-2.7% YoY
|
66.4%
-1.4% YoY
|
70% |
| AMR |
$18,491
+2.3% YoY+1.1% QoQ
|
$-7K |
$25,107
+3.2% YoY
|
$13,536
+2.7% YoY
|
$20,028
-0.9% YoY
|
22% |
| CD Concentration |
21.1%
+14.4% YoY+7.1% QoQ
|
-3.5% | 24.6% | 15.1% | 20.0% | 50% |
| Indirect Auto % |
9.1%
+157.3% YoY+7.4% QoQ
|
-4.5% | 13.6% | 5.1% | 7.7% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)