BlastPoint's Credit Union Scorecard
JAMES WARD, JR.
Charter #14537 ยท LA
2596 CUs in <100M nationally
108 in LA
JAMES WARD, JR. has 6 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.93% above tier average
- + Net Interest Margin 1.40% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 4.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 3.89% above tier average
- - Total Delinquency Rate (60+ days): Bottom 5.5% in tier
- - Deposit Growth Rate: Bottom 7.0% in tier
- - Total Deposits: Bottom 8.3% in tier
- - Average Member Relationship (AMR): Bottom 8.8% in tier
- - Total Assets: Bottom 9.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
479
+0.2% YoY-1.8% QoQ
|
-2.1K |
2,625
-2.2% YoY
|
9,352
+2.6% YoY
|
33,089
+6.1% YoY
|
Bottom 13.2% in tier |
| Assets |
$1.9M
-5.7% YoY-3.3% QoQ
|
$-28.0M |
$29.9M
+1.1% YoY
|
$121.4M
+4.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 9.2% in tier |
| Loans |
$1.1M
+3.2% YoY+6.5% QoQ
|
$-14.7M |
$15.8M
-2.4% YoY
|
$86.9M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 12.1% in tier |
| Deposits |
$1.2M
-10.2% YoY-5.2% QoQ
|
$-24.2M |
$25.5M
+0.4% YoY
|
$103.9M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 8.2% in tier |
| ROA |
1.6%
+6.0% YoY-10.2% QoQ
|
+0.9% |
0.7%
-731.4% YoY
|
0.5%
+1.1% YoY
|
0.7%
+273.4% YoY
|
83% |
| NIM |
5.3%
-0.3% YoY-3.7% QoQ
|
+1.4% |
3.9%
+3.8% YoY
|
4.3%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Top 9.2% in tier |
| Efficiency Ratio |
71.4%
-2.1% YoY+3.2% QoQ
|
-10.0% |
81.4%
-2.4% YoY
|
82.9%
-3.6% YoY
|
79.1%
-3.3% YoY
|
34% |
| Delinquency Rate |
5.4%
-24.9% YoY+10.2% QoQ
|
+3.9 |
1.5%
-2.0% YoY
|
1.8%
-12.2% YoY
|
1.2%
-0.9% YoY
|
Top 5.5% in tier |
| Loan To Share |
86.6%
+15.0% YoY+12.4% QoQ
|
+25.4% |
61.2%
-3.0% YoY
|
70.9%
-2.6% YoY
|
68.0%
-1.7% YoY
|
Top 14.8% in tier |
| AMR |
$4,847
-4.6% YoY+1.7% QoQ
|
$-10K |
$14,627
-2.7% YoY
|
$13,297
+2.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 8.7% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
15.0%
+9.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
5.3%
+10.6% YoY
|
7.9%
-2.9% YoY
|
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 (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
104
Net Worth Ratio
risk
Value:
33.70%
Peer Avg: 16.43%
#104 of 2596
Top 4.0% in <100M tier
239
Net Interest Margin (NIM)
profitability
Value:
5.34%
Peer Avg: 3.93%
#239 of 2596
Top 9.2% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
380
Loan-to-Share Ratio
balance_sheet
Value:
86.61%
Peer Avg: 61.23%
#380 of 2596
Top 14.6% in <100M tier
444
Members Per Employee (MPE)
engagement
Value:
479.000
Peer Avg: 365.701
#444 of 2596
Top 17.1% in <100M tier
449
Return on Assets (ROA)
profitability
Value:
1.61%
Peer Avg: 0.68%
#449 of 2596
Top 17.3% in <100M tier
Top Weaknesses (11 metrics)
2454
Total Delinquency Rate (60+ days)
risk
Value:
5.40%
Peer Avg: 1.51%
#2454 of 2596
Bottom 5.5% in <100M tier
2415
Deposit Growth Rate
growth
Value:
-10.23%
Peer Avg: 16.80%
#2415 of 2596
Bottom 7.0% in <100M tier
2382
Total Deposits
balance_sheet
Value:
$1.24M
Peer Avg: $25.45M
#2382 of 2596
Bottom 8.3% in <100M tier
2369
Average Member Relationship (AMR)
engagement
Value:
$4,847
Peer Avg: $14,627
#2369 of 2596
Bottom 8.8% in <100M tier
2358
Total Assets
balance_sheet
Value:
$1.89M
Peer Avg: $29.86M
#2358 of 2596
Bottom 9.2% in <100M tier
2283
Total Loans
balance_sheet
Value:
$1.08M
Peer Avg: $15.77M
#2283 of 2596
Bottom 12.1% in <100M tier
2271
Asset Growth Rate
growth
Value:
-5.67%
Peer Avg: 1.82%
#2271 of 2596
Bottom 12.6% in <100M tier
2253
Total Members
engagement
Value:
479
Peer Avg: 2,626
#2253 of 2596
Bottom 13.3% in <100M tier
2194
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,250
Peer Avg: $5,488
#2194 of 2596
Bottom 15.5% in <100M tier
2119
AMR Growth Rate
growth
Value:
-4.64%
Peer Avg: 4.67%
#2119 of 2596
Bottom 18.4% in <100M tier