BlastPoint's Credit Union Scorecard
LOUISIANA MACHINERY EMPLOYEES
Charter #14376 · LA
LOUISIANA MACHINERY EMPLOYEES has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Net Charge-Off Rate: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.46% below tier average
- - Efficiency ratio 13.80% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 7.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
698
+1.5% YoY+1.2% QoQ
|
-2.0K |
2,676
+1.6% YoY
|
9,512
+2.6% YoY
|
33,913
+5.7% YoY
|
20% |
| Assets |
$3.9M
+0.4% YoY+3.0% QoQ
|
$-26.3M |
$30.2M
+1.3% YoY
|
$128.1M
+5.9% YoY
|
$578.3M
+9.0% YoY
|
15% |
| Loans |
$2.6M
+0.3% YoY+7.5% QoQ
|
$-12.7M |
$15.3M
-2.0% YoY
|
$89.6M
+5.7% YoY
|
$402.4M
+8.7% YoY
|
22% |
| Deposits |
$3.0M
+0.4% YoY+4.0% QoQ
|
$-22.8M |
$25.8M
+0.7% YoY
|
$109.6M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
15% |
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| ROA |
-0.3%
-115.3% YoY-141.3% QoQ
|
-0.5% |
0.1%
-77.6% YoY
|
0.1%
-79.1% YoY
|
0.4%
-39.2% YoY
|
16% |
| NIM |
3.8%
-6.3% YoY-11.3% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
4.2%
-0.4% YoY
|
3.8%
+4.1% YoY
|
50% |
| Efficiency Ratio |
104.4%
+4.0% YoY+2.1% QoQ
|
+13.8% |
90.6%
+6.5% YoY
|
88.0%
+2.9% YoY
|
84.6%
+2.8% YoY
|
Bottom 13.0% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
1.7%
-21.7% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
87.0%
-0.1% YoY+3.4% QoQ
|
+28.5% |
58.5%
-3.0% YoY
|
68.2%
-2.4% YoY
|
65.6%
-1.4% YoY
|
Top 10.4% in tier |
| AMR |
$7,980
-1.1% YoY+4.4% QoQ
|
$-7K |
$14,884
-1.7% YoY
|
$13,483
+2.5% YoY
|
$19,920
+1.6% YoY
|
19% |
| CD Concentration |
40.8%
+8.5% YoY-3.0% QoQ
|
+16.5% | 24.3% | 14.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)