BlastPoint's Credit Union Scorecard
3RD DISTRICT HIGHWAY
Charter #14226 · LA
3RD DISTRICT HIGHWAY faces 4 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.49% below tier average
- - Efficiency ratio 15.46% above tier (higher cost structure)
- - Delinquency rate 0.65% above tier average
- - Member decline: -6.9% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,155
-6.9% YoY-5.4% QoQ
|
-1.5K |
2,615
-1.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
32% |
| Assets |
$11.5M
-4.2% YoY-0.9% QoQ
|
$-18.6M |
$30.1M
+2.1% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
35% |
| Loans |
$4.9M
+4.2% YoY+4.1% QoQ
|
$-10.9M |
$15.8M
-1.3% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
34% |
| Deposits |
$9.2M
-5.4% YoY-0.8% QoQ
|
$-16.5M |
$25.7M
+1.4% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
34% |
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| ROA |
0.1%
-47.9% YoY+38.4% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
22% |
| NIM |
3.7%
-0.1% YoY+1.5% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
40% |
| Efficiency Ratio |
98.0%
+10.8% YoY+2.1% QoQ
|
+15.5% |
82.6%
-2.3% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
Bottom 13.5% in tier |
| Delinquency Rate |
2.2%
-4.6% YoY+68.8% QoQ
|
+0.7 |
1.6%
-3.1% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
80% |
| Loan To Share |
53.5%
+10.1% YoY+4.9% QoQ
|
-7.2% |
60.6%
-3.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
38% |
| AMR |
$12,200
+4.9% YoY+6.7% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
40% |
| 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)
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)