BlastPoint's Credit Union Scorecard
JAMES WARD, JR.
Charter #14537 · LA
2556 CUs in <100M nationally
109 in LA
JAMES WARD, JR. has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.66% above tier average
- + Net Interest Margin 1.26% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 4.1% in tier
- + Loan-to-Share Ratio: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 4.06% above tier average
- - Total Delinquency Rate (60+ days): Bottom 5.3% in tier
- - Total Deposits: Bottom 8.1% in tier
- - Total Assets: Bottom 9.1% in tier
- - Average Member Relationship (AMR): Bottom 9.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
483
+0.4% YoY+0.8% QoQ
|
-2.1K |
2,615
-1.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
Bottom 13.1% in tier |
| Assets |
$1.9M
-3.2% YoY+0.7% QoQ
|
$-28.2M |
$30.1M
+2.1% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
Bottom 9.1% in tier |
| Loans |
$1.2M
+4.0% YoY+7.5% QoQ
|
$-14.6M |
$15.8M
-1.3% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 12.2% in tier |
| Deposits |
$1.3M
-6.4% YoY+1.2% QoQ
|
$-24.4M |
$25.7M
+1.4% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 8.1% in tier |
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| ROA |
1.3%
-4.6% YoY-20.2% QoQ
|
+0.7% |
0.6%
+10.8% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
78% |
| NIM |
5.2%
+1.0% YoY-2.3% QoQ
|
+1.3% |
4.0%
+4.0% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
Top 10.3% in tier |
| Efficiency Ratio |
76.7%
+2.0% YoY+7.4% QoQ
|
-5.8% |
82.6%
-2.3% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
42% |
| Delinquency Rate |
5.6%
-21.2% YoY+3.9% QoQ
|
+4.1 |
1.6%
-3.1% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
Top 5.3% in tier |
| Loan To Share |
92.0%
+11.1% YoY+6.2% QoQ
|
+31.4% |
60.6%
-3.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
Top 8.7% in tier |
| AMR |
$5,004
-2.1% YoY+3.2% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
Bottom 9.2% in tier |
| 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)
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 (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
107
Net Worth Ratio
risk
Value:
33.51%
Peer Median: -
#107 of 2556
Top 4.1% in <100M tier
220
Loan-to-Share Ratio
balance_sheet
Value:
91.98%
Peer Median: -
#220 of 2556
Top 8.6% in <100M tier
264
Net Interest Margin (NIM)
profitability
Value:
5.21%
Peer Median: -
#264 of 2556
Top 10.3% in <100M tier
570
Return on Assets (ROA)
profitability
Value:
1.29%
Peer Median: -
#570 of 2556
Top 22.3% in <100M tier
Top Weaknesses (11 metrics)
2422
Total Delinquency Rate (60+ days)
risk
Value:
5.61%
Peer Median: -
#2422 of 2556
Bottom 5.3% in <100M tier
2350
Total Deposits
balance_sheet
Value:
$1.26M
Peer Median: -
#2350 of 2556
Bottom 8.1% in <100M tier
2324
Total Assets
balance_sheet
Value:
$1.90M
Peer Median: -
#2324 of 2556
Bottom 9.1% in <100M tier
2321
Average Member Relationship (AMR)
engagement
Value:
$5,004
Peer Median: -
#2321 of 2556
Bottom 9.2% in <100M tier
2282
Members Per Employee (MPE)
engagement
Value:
161.000
Peer Median: -
#2282 of 2556
Bottom 10.8% in <100M tier
2243
Total Loans
balance_sheet
Value:
$1.16M
Peer Median: -
#2243 of 2556
Bottom 12.3% in <100M tier
2221
Total Members
engagement
Value:
483
Peer Median: -
#2221 of 2556
Bottom 13.1% in <100M tier
2207
Deposit Growth Rate
growth
Value:
-6.39%
Peer Median: -
#2207 of 2556
Bottom 13.7% in <100M tier
2125
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,398
Peer Median: -
#2125 of 2556
Bottom 16.9% in <100M tier
2050
Fee Income Per Member
profitability
Value:
$12.16
Peer Median: -
#2050 of 2556
Bottom 19.8% in <100M tier