BlastPoint's Credit Union Scorecard
LA CAPITOL
Charter #14568 · LA
LA CAPITOL has 2 strengths but faces 7 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.06% above tier average
- + Net Interest Margin 0.07% above tier average
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 67.2% in tier
- - Membership Headwinds: Bottom 67.2% in tier
- - Indirect Auto Dependency: Bottom 70.0% in tier
- - Delinquency rate 0.72% above tier average
- - Indirect Auto Concentration (%): Bottom 1.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.7% in tier
- - Total Deposits: Bottom 9.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
51,987
-1.4% YoY+0.2% QoQ
|
+486 |
51,500
+0.7% YoY
|
9,512
+2.6% YoY
|
33,913
+5.7% YoY
|
50% |
| Assets |
$799.7M
+1.9% YoY+1.8% QoQ
|
$-65.9M |
$865.6M
+0.9% YoY
|
$128.1M
+5.9% YoY
|
$578.3M
+9.0% YoY
|
22% |
| Loans |
$575.2M
-0.2% YoY-1.6% QoQ
|
$-20.1M |
$595.3M
+1.6% YoY
|
$89.6M
+5.7% YoY
|
$402.4M
+8.7% YoY
|
38% |
| Deposits |
$648.5M
-0.1% YoY+1.9% QoQ
|
$-93.7M |
$742.2M
+0.6% YoY
|
$109.6M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 8.5% in tier |
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| ROA |
0.8%
+159.5% YoY-16.9% QoQ
|
+0.1% |
0.8%
+45.0% YoY
|
0.1%
-79.1% YoY
|
0.4%
-39.2% YoY
|
57% |
| NIM |
3.5%
+2.6% YoY-1.0% QoQ
|
+0.1% |
3.5%
+6.1% YoY
|
4.2%
-0.4% YoY
|
3.8%
+4.1% YoY
|
51% |
| Efficiency Ratio |
69.8%
-7.3% YoY+2.4% QoQ
|
-5.8% |
75.5%
-3.4% YoY
|
88.0%
+2.9% YoY
|
84.6%
+2.8% YoY
|
26% |
| Delinquency Rate |
1.4%
-23.5% YoY-4.0% QoQ
|
+0.7 |
0.7%
-0.1% YoY
|
1.7%
-21.7% YoY
|
1.2%
+3.4% YoY
|
Bottom 7.7% in tier |
| Loan To Share |
88.7%
-0.2% YoY-3.5% QoQ
|
+8.1% |
80.6%
+0.7% YoY
|
68.2%
-2.4% YoY
|
65.6%
-1.4% YoY
|
66% |
| AMR |
$23,539
+1.3% YoY+0.0% QoQ
|
$-5K |
$28,908
+0.7% YoY
|
$13,483
+2.5% YoY
|
$19,920
+1.6% YoY
|
32% |
| CD Concentration |
26.4%
+0.7% YoY+0.7% QoQ
|
+2.2% | 24.3% | 14.9% | 19.8% | 59% |
| Indirect Auto % |
50.3%
+4.8% YoY+0.3% QoQ
|
+36.5% | 13.8% | 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)