BlastPoint's Credit Union Scorecard
JAMES WARD, JR.
Charter #14537 · LA
JAMES WARD, JR. has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.75% above tier average
- + Net Worth Ratio: Top 4.1% in tier
- + Loan Growth Rate: Top 8.2% in tier
- + Loan-to-Share Ratio: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.31% below tier average
- - Efficiency ratio 6.54% above tier (higher cost structure)
- - Delinquency rate 3.78% above tier average
- - Total Delinquency Rate (60+ days): Bottom 5.9% in tier
- - Total Deposits: Bottom 7.9% in tier
- - Average Member Relationship (AMR): Bottom 8.5% in tier
- - Total Assets: Bottom 8.8% in tier
- - Net Charge-Off Rate: Bottom 9.4% 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 -5.2% year over year ($1.2M in shares and deposits).
- Membership: 494 members, +1.2% vs a year ago.
- Delinquency rate 5.33%.
- Return on assets 1.18%.
- Efficiency ratio 95.30% vs a 88.77% peer average.
- Loan-to-share ratio 90.71% 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 |
494
+1.2% YoY+0.2% QoQ
|
-2.1K |
2,585
-1.7% YoY
|
9,550
+2.7% YoY
|
34,678
+6.6% YoY
|
Bottom 13.4% in tier |
| Assets |
$1.9M
-2.6% YoY-2.0% QoQ
|
$-28.4M |
$30.3M
+1.5% YoY
|
$130.2M
+7.1% YoY
|
$593.1M
+10.2% YoY
|
Bottom 8.7% in tier |
| Loans |
$1.1M
+11.6% YoY+1.9% QoQ
|
$-14.3M |
$15.5M
-1.7% YoY
|
$92.6M
+7.3% YoY
|
$418.6M
+10.1% YoY
|
Bottom 12.5% in tier |
| Deposits |
$1.2M
-5.2% YoY-4.0% QoQ
|
$-24.6M |
$25.8M
+1.1% YoY
|
$111.6M
+7.6% YoY
|
$504.8M
+10.3% YoY
|
Bottom 7.8% in tier |
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| ROA |
1.2%
-34.3% YoY+341.3% QoQ
|
-0.3% |
1.5%
+241.5% YoY
|
1.1%
+258.0% YoY
|
1.2%
+121.4% YoY
|
69% |
| NIM |
4.6%
-16.1% YoY-6.5% QoQ
|
+0.7% |
3.9%
+0.9% YoY
|
4.2%
-0.2% YoY
|
3.8%
+2.3% YoY
|
80% |
| Efficiency Ratio |
95.3%
+37.8% YoY+0.1% QoQ
|
+6.5% |
88.8%
-6.9% YoY
|
89.3%
+0.7% YoY
|
83.0%
-5.3% YoY
|
81% |
| Delinquency Rate |
5.3%
+8.8% YoY+3.4% QoQ
|
+3.8 |
1.5%
+2.1% YoY
|
2.0%
+21.9% YoY
|
1.3%
+2.6% YoY
|
Bottom 5.9% in tier |
| Loan To Share |
90.7%
+17.7% YoY+6.2% QoQ
|
+31.8% |
58.9%
-3.1% YoY
|
68.1%
-2.7% YoY
|
66.4%
-1.4% YoY
|
Top 8.6% in tier |
| AMR |
$4,807
+0.9% YoY-1.5% QoQ
|
$-10K |
$14,963
-6.8% YoY
|
$13,536
+2.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 8.5% in tier |
| CD Concentration | 0.0% | -24.6% | 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)