BlastPoint's Credit Union Scorecard
FELICIANA
Charter #13687 · LA
FELICIANA has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.06% above tier average
- + Net Interest Margin 0.76% above tier average
Key Concerns
Areas that may need attention
- - Efficiency ratio 15.34% above tier (higher cost structure)
- - Member decline: -6.1% YoY
- - Net Charge-Off Rate: Bottom 2.7% in tier
- - Asset Growth Rate: Bottom 6.6% in tier
- - Deposit Growth Rate: Bottom 9.1% in tier
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 2,437 credit unions with under $100M in assets nationally, and 1 of 107 that size in Louisiana.
- Shares and deposits -8.9% year over year ($18.5M in shares and deposits).
- Membership: 1,737 members, -6.1% vs a year ago.
- Delinquency rate 0.86%.
- Return on assets 2.55%.
- Efficiency ratio 104.11% vs a 88.77% peer average.
- Loan-to-share ratio 76.49% vs a 58.89% 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 |
1,737
-6.1% YoY0% QoQ
|
-848 |
2,585
-1.7% YoY
|
9,550
+2.7% YoY
|
34,678
+6.6% YoY
|
46% |
| Assets |
$22.1M
-9.0% YoY-5.1% QoQ
|
$-8.2M |
$30.3M
+1.5% YoY
|
$130.2M
+7.1% YoY
|
$593.1M
+10.2% YoY
|
50% |
| Loans |
$14.2M
-2.6% YoY+3.4% QoQ
|
$-1.3M |
$15.5M
-1.7% YoY
|
$92.6M
+7.3% YoY
|
$418.6M
+10.1% YoY
|
60% |
| Deposits |
$18.5M
-8.9% YoY-4.8% QoQ
|
$-7.3M |
$25.8M
+1.1% YoY
|
$111.6M
+7.6% YoY
|
$504.8M
+10.3% YoY
|
50% |
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| ROA |
2.5%
-243.1% YoY-318.0% QoQ
|
+1.1% |
1.5%
+241.5% YoY
|
1.1%
+258.0% YoY
|
1.2%
+121.4% YoY
|
Top 5.5% in tier |
| NIM |
4.7%
+13.3% YoY+4.6% QoQ
|
+0.8% |
3.9%
+0.9% YoY
|
4.2%
-0.2% YoY
|
3.8%
+2.3% YoY
|
80% |
| Efficiency Ratio |
104.1%
-21.8% YoY-5.3% QoQ
|
+15.3% |
88.8%
-6.9% YoY
|
89.3%
+0.7% YoY
|
83.0%
-5.3% YoY
|
Bottom 11.1% in tier |
| Delinquency Rate |
0.9%
-59.9% YoY-57.9% QoQ
|
-0.7 |
1.5%
+2.1% YoY
|
2.0%
+21.9% YoY
|
1.3%
+2.6% YoY
|
56% |
| Loan To Share |
76.5%
+6.8% YoY+8.6% QoQ
|
+17.6% |
58.9%
-3.1% YoY
|
68.1%
-2.7% YoY
|
66.4%
-1.4% YoY
|
76% |
| AMR |
$18,832
-0.2% YoY-1.4% QoQ
|
+$4K |
$14,963
-6.8% YoY
|
$13,536
+2.7% YoY
|
$20,028
-0.9% YoY
|
72% |
| CD Concentration |
21.0%
+6.3% YoY+3.1% QoQ
|
-3.6% | 24.6% | 15.1% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 5.1% | 7.7% | 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)