BlastPoint's Credit Union Scorecard
LA CAPITOL
Charter #14568 · LA
La Capitol at VentureTech 2026 · Fort Worth
YOU MADE THE SET.
La Capitol is one of 101 credit unions in the 2026 VentureTech card set. We also found La Capitol's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.
CARD SET
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LA CAPITOL
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PEER · AT VENTURETECH
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PEER · AT VENTURETECH
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LA CAPITOL'S BIGGEST OPPORTUNITY
NCUA call report, June 30, 2026.
La Capitol is headed to VentureTech in Fort Worth! Check out our trading card.
LA CAPITOL at a glance
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
The real pack is waiting in Fort Worth
- 1 CLEAR Your card arrived By email from Collier at BlastPoint
- 2 YOU ARE HERE Open your pack Right here on your Scorecard
- 3 BOSS LEVEL Grab the real pack At the BlastPoint booth
- 4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report
- Where
- The BlastPoint booth, Omni Fort Worth
- Expo hall
- Mon Nov 16 and Tue Nov 17
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 |
$23,751
+2.7% YoY+0.9% QoQ
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$-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
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+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)