BlastPoint's Credit Union Scorecard
LA CAPITOL
Charter #14568 · LA
LA CAPITOL has 3 strengths but faces 9 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.25% above tier average
- + Net Interest Margin 0.17% above tier average
- + Fee Income Per Member: Top 5.1% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 21.6% in tier
- - Stagnation Risk: Bottom 44.9% in tier
- - Membership Headwinds: Bottom 68.9% in tier
- - Institutional Decline: Bottom 71.5% in tier
- - Liquidity Strain: Bottom 91.6% in tier
- - Delinquency rate 0.57% above tier average
- - Indirect Auto Concentration (%): Bottom 2.6% in tier
- - Net Charge-Off Rate: Bottom 5.1% in tier
- - Total Deposits: Bottom 9.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
51,861
-1.7% YoY-1.6% QoQ
|
-223 |
52,084
-1.6% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
49% |
| Assets |
$785.9M
+2.7% YoY+3.0% QoQ
|
$-78.0M |
$863.9M
+0.5% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
18% |
| Loans |
$584.4M
-0.5% YoY+2.6% QoQ
|
$-21.4M |
$605.8M
+1.4% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
36% |
| Deposits |
$636.2M
+0.9% YoY+0.3% QoQ
|
$-101.1M |
$737.3M
+0.1% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 8.5% in tier |
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| ROA |
1.0%
+45.3% YoY+35.7% QoQ
|
+0.3% |
0.7%
+39.1% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
68% |
| NIM |
3.6%
+3.2% YoY+0.6% QoQ
|
+0.2% |
3.4%
+8.7% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
60% |
| Efficiency Ratio |
68.1%
-4.2% YoY-1.9% QoQ
|
-6.2% |
74.3%
-3.6% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
25% |
| Delinquency Rate |
1.5%
-28.9% YoY+17.2% QoQ
|
+0.6 |
0.9%
+3.8% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
84% |
| Loan To Share |
91.9%
-1.4% YoY+2.3% QoQ
|
+9.3% |
82.6%
+1.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
74% |
| AMR |
$23,537
+2.0% YoY+3.0% QoQ
|
$-5K |
$28,873
+2.7% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
37% |
| CD Concentration |
26.3%
-4.7% YoY-0.6% QoQ
|
+1.8% | 24.4% | 15.2% | 19.8% | 57% |
| Indirect Auto % |
50.2%
+6.7% YoY+3.1% QoQ
|
+36.4% | 13.8% | 5.0% | 7.8% | Top 3.4% in tier |
Signature Analysis
Strengths (0)
Concerns (5)
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.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)