BlastPoint's Credit Union Scorecard
LA CAPITOL
Charter #14568 · LA
LA CAPITOL has 3 strengths but faces 10 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.02% above tier average
- + Net Interest Margin 0.16% above tier average
- + Fee Income Per Member: Top 6.2% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 11.1% in tier
- - Institutional Decline: Bottom 22.6% in tier
- - Stagnation Risk: Bottom 24.8% in tier
- - Membership Headwinds: Bottom 29.4% in tier
- - Delinquency rate 0.42% above tier average
- - Indirect Auto Concentration (%): Bottom 2.7% in tier
- - Net Charge-Off Rate: Bottom 4.5% in tier
- - Total Assets: Bottom 6.2% in tier
- - Total Deposits: Bottom 8.0% in tier
- - Deposit Growth Rate: Bottom 9.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
52,703
-0.9% YoY+0.4% QoQ
|
+588 |
52,114
-2.1% YoY
|
9,352
+2.6% YoY
|
33,089
+6.1% YoY
|
51% |
| Assets |
$763.0M
+0.2% YoY-1.8% QoQ
|
$-96.0M |
$859.0M
+0.0% YoY
|
$121.4M
+4.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 5.4% in tier |
| Loans |
$569.5M
-2.6% YoY-1.1% QoQ
|
$-33.8M |
$603.4M
+1.0% YoY
|
$86.9M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
32% |
| Deposits |
$634.3M
-0.3% YoY-0.8% QoQ
|
$-99.9M |
$734.2M
+0.9% YoY
|
$103.9M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 7.1% in tier |
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| ROA |
0.7%
+31.6% YoY-12.8% QoQ
|
+0.0% |
0.7%
+27.6% YoY
|
0.5%
+1.1% YoY
|
0.7%
+273.4% YoY
|
54% |
| NIM |
3.5%
+10.7% YoY+1.1% QoQ
|
+0.2% |
3.4%
+9.6% YoY
|
4.3%
+3.2% YoY
|
3.7%
+5.0% YoY
|
61% |
| Efficiency Ratio |
69.5%
-2.6% YoY+0.1% QoQ
|
-5.1% |
74.5%
-3.2% YoY
|
82.9%
-3.6% YoY
|
79.1%
-3.3% YoY
|
30% |
| Delinquency Rate |
1.2%
-60.0% YoY-31.9% QoQ
|
+0.4 |
0.8%
+5.0% YoY
|
1.8%
-12.2% YoY
|
1.2%
-0.9% YoY
|
80% |
| Loan To Share |
89.8%
-2.3% YoY-0.3% QoQ
|
+7.1% |
82.7%
+0.1% YoY
|
70.9%
-2.6% YoY
|
68.0%
-1.7% YoY
|
64% |
| AMR |
$22,841
-0.5% YoY-1.3% QoQ
|
$-6K |
$28,651
+2.5% YoY
|
$13,297
+2.9% YoY
|
$19,418
+1.3% YoY
|
34% |
| CD Concentration |
26.4%
-6.6% YoY+0.6% QoQ
|
+2.0% |
24.4%
+4.2% YoY
|
15.0%
+9.1% YoY
|
19.6%
+6.2% YoY
|
57% |
| Indirect Auto % |
48.6%
+4.1% YoY+1.6% QoQ
|
+34.7% |
14.0%
-5.7% YoY
|
5.3%
+10.6% YoY
|
7.9%
-2.9% YoY
|
Top 3.8% in tier |
Signature Analysis
Strengths (0)
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)