BlastPoint's Credit Union Scorecard
LA CAPITOL
Charter #14568 · LA
LA CAPITOL faces 6 concerns requiring attention
How does the industry compare?
What's your peer group doing?
How does LA stack up?
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 63.0% in tier
- - Stagnation Risk: Bottom 72.6% in tier
- - Membership Headwinds: Bottom 72.6% in tier
- - Delinquency rate 0.63% above tier average
- - Indirect Auto Concentration (%): Bottom 1.8% in tier
- - Net Charge-Off Rate: Bottom 9.0% 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 111 credit unions with $750M-$1B in assets nationally, and 1 of 4 that size in Louisiana.
- Shares and deposits +0.9% year over year ($645M in shares and deposits).
- Membership: 51,535 members, -1.9% vs a year ago.
- Delinquency rate 1.43%.
- Return on assets 0.84%.
- Efficiency ratio 68.95% vs a 74.54% peer average.
- Loan-to-share ratio 89.67% vs a 82.60% 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 |
51,535
-1.9% YoY-0.9% QoQ
|
-947 |
52,482
+1.3% YoY
|
9,550
+2.7% YoY
|
34,678
+6.6% YoY
|
48% |
| Assets |
$798.4M
+2.8% YoY-0.2% QoQ
|
$-65.6M |
$863.9M
+0.5% YoY
|
$130.2M
+7.1% YoY
|
$593.1M
+10.2% YoY
|
19% |
| Loans |
$578.7M
+0.5% YoY+0.6% QoQ
|
$-29.1M |
$607.8M
+2.1% YoY
|
$92.6M
+7.3% YoY
|
$418.6M
+10.1% YoY
|
36% |
| Deposits |
$645.3M
+0.9% YoY-0.5% QoQ
|
$-94.6M |
$739.9M
+0.2% YoY
|
$111.6M
+7.6% YoY
|
$504.8M
+10.3% YoY
|
Bottom 9.9% in tier |
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| ROA |
0.8%
+0.3% YoY+2.1% QoQ
|
+0.0% |
0.8%
+30.4% YoY
|
1.1%
+258.0% YoY
|
1.2%
+121.4% YoY
|
54% |
| NIM |
3.5%
-0.4% YoY-1.1% QoQ
|
+0.0% |
3.5%
+6.2% YoY
|
4.2%
-0.2% YoY
|
3.8%
+2.3% YoY
|
46% |
| Efficiency Ratio |
68.9%
-0.7% YoY-1.2% QoQ
|
-5.6% |
74.5%
-1.4% YoY
|
89.3%
+0.7% YoY
|
83.0%
-5.3% YoY
|
22% |
| Delinquency Rate |
1.4%
-21.8% YoY+2.1% QoQ
|
+0.6 |
0.8%
+1.0% YoY
|
2.0%
+21.9% YoY
|
1.3%
+2.6% YoY
|
Bottom 14.4% in tier |
| Loan To Share |
89.7%
-0.4% YoY+1.1% QoQ
|
+7.1% |
82.6%
+1.9% YoY
|
68.1%
-2.7% YoY
|
66.4%
-1.4% YoY
|
68% |
| AMR |
$23,751
+2.7% YoY+0.9% QoQ
|
$-5K |
$28,702
+0.4% YoY
|
$13,536
+2.7% YoY
|
$20,028
-0.9% YoY
|
34% |
| CD Concentration |
26.7%
+1.4% YoY+0.8% QoQ
|
+2.1% | 24.6% | 15.1% | 20.0% | 59% |
| Indirect Auto % |
50.8%
+6.1% YoY+1.0% QoQ
|
+37.2% | 13.6% | 5.1% | 7.7% | Bottom 3.4% in tier |
Signature Analysis
Strengths (0)
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining 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)