BlastPoint's Credit Union Scorecard
JAMES WARD, JR.
Charter #14537 · LA
<100M
2508 CUs in <100M nationally
107 in LA
JAMES WARD, JR. has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.12% above tier average
- + Net Interest Margin 0.96% above tier average
- + Net Worth Ratio: Top 4.2% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 4.59% above tier (higher cost structure)
- - Delinquency rate 3.65% above tier average
- - Net Charge-Off Rate: Bottom 4.3% in tier
- - Total Delinquency Rate (60+ days): Bottom 5.8% in tier
- - Total Deposits: Bottom 8.3% in tier
- - Average Member Relationship (AMR): Bottom 8.8% in tier
- - Total Assets: Bottom 9.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
493
+1.6% YoY+2.1% QoQ
|
-2.2K |
2,676
+1.6% YoY
|
9,512
+2.6% YoY
|
33,913
+5.7% YoY
|
Bottom 13.6% in tier |
| Assets |
$1.9M
-4.3% YoY+2.0% QoQ
|
$-28.3M |
$30.2M
+1.3% YoY
|
$128.1M
+5.9% YoY
|
$578.3M
+9.0% YoY
|
Bottom 9.1% in tier |
| Loans |
$1.1M
+8.4% YoY-4.3% QoQ
|
$-14.2M |
$15.3M
-2.0% YoY
|
$89.6M
+5.7% YoY
|
$402.4M
+8.7% YoY
|
Bottom 12.2% in tier |
| Deposits |
$1.3M
-6.5% YoY+3.1% QoQ
|
$-24.5M |
$25.8M
+0.7% YoY
|
$109.6M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 8.2% in tier |
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| ROA |
0.3%
-92.8% YoY-79.2% QoQ
|
+0.1% |
0.1%
-77.6% YoY
|
0.1%
-79.1% YoY
|
0.4%
-39.2% YoY
|
34% |
| NIM |
5.0%
-31.3% YoY-4.7% QoQ
|
+1.0% |
4.0%
+4.0% YoY
|
4.2%
-0.4% YoY
|
3.8%
+4.1% YoY
|
Top 12.2% in tier |
| Efficiency Ratio |
95.2%
+89.6% YoY+24.1% QoQ
|
+4.6% |
90.6%
+6.5% YoY
|
88.0%
+2.9% YoY
|
84.6%
+2.8% YoY
|
78% |
| Delinquency Rate |
5.2%
-31.0% YoY-8.1% QoQ
|
+3.6 |
1.5%
+3.8% YoY
|
1.7%
-21.7% YoY
|
1.2%
+3.4% YoY
|
Bottom 5.8% in tier |
| Loan To Share |
85.4%
+15.9% YoY-7.1% QoQ
|
+26.9% |
58.5%
-3.0% YoY
|
68.2%
-2.4% YoY
|
65.6%
-1.4% YoY
|
Top 12.2% in tier |
| AMR |
$4,880
-1.8% YoY-2.5% QoQ
|
$-10K |
$14,884
-1.7% YoY
|
$13,483
+2.5% YoY
|
$19,920
+1.6% YoY
|
Bottom 8.7% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 14.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
107
Net Worth Ratio
risk
Value:
32.92%
Peer Median: 14.28%
#107 of 2508
Top 4.2% in <100M tier
303
Loan-to-Share Ratio
balance_sheet
Value:
85.44%
Peer Median: 58.72%
#303 of 2508
Top 12.0% in <100M tier
306
Net Interest Margin (NIM)
profitability
Value:
4.97%
Peer Median: 3.83%
#306 of 2508
Top 12.2% in <100M tier
319
Loan Growth Rate
growth
Value:
8.37%
Peer Median: -2.36%
#319 of 2508
Top 12.7% in <100M tier
476
Member Growth Rate
growth
Value:
1.65%
Peer Median: -1.37%
#476 of 2508
Top 18.9% in <100M tier
Top Weaknesses (12 metrics)
2400
Net Charge-Off Rate
risk
Value:
2.80%
Peer Median: 0.07%
#2400 of 2508
Bottom 4.3% in <100M tier
2363
Total Delinquency Rate (60+ days)
risk
Value:
5.15%
Peer Median: 0.65%
#2363 of 2508
Bottom 5.8% in <100M tier
2302
Total Deposits
balance_sheet
Value:
$1.30M
Peer Median: $18.77M
#2302 of 2508
Bottom 8.3% in <100M tier
2289
Average Member Relationship (AMR)
engagement
Value:
$4,880
Peer Median: $13,926
#2289 of 2508
Bottom 8.8% in <100M tier
2280
Total Assets
balance_sheet
Value:
$1.94M
Peer Median: $21.86M
#2280 of 2508
Bottom 9.1% in <100M tier
2230
Members Per Employee (MPE)
engagement
Value:
164.333
Peer Median: 333.750
#2230 of 2508
Bottom 11.1% in <100M tier
2203
Total Loans
balance_sheet
Value:
$1.11M
Peer Median: $9.48M
#2203 of 2508
Bottom 12.2% in <100M tier
2182
Deposit Growth Rate
growth
Value:
-6.52%
Peer Median: 0.66%
#2182 of 2508
Bottom 13.0% in <100M tier
2167
Total Members
engagement
Value:
493
Peer Median: 1,918
#2167 of 2508
Bottom 13.6% in <100M tier
2098
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,248
Peer Median: $4,923
#2098 of 2508
Bottom 16.4% in <100M tier