BlastPoint's Credit Union Scorecard
DISTRICT 08
Charter #14651 · LA
DISTRICT 08 has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.15% above tier average
- + Net Interest Margin 1.70% above tier average
Key Concerns
Areas that may need attention
- - Member decline: -11.7% YoY
- - Asset Growth Rate: Bottom 2.2% in tier
- - Deposit Growth Rate: Bottom 2.4% in tier
- - Member Growth Rate: Bottom 4.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,508
-11.7% YoY-0.2% QoQ
|
-1.1K |
2,615
-1.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
40% |
| Assets |
$8.9M
-13.8% YoY+1.9% QoQ
|
$-21.2M |
$30.1M
+2.1% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
30% |
| Loans |
$5.8M
-12.2% YoY-4.5% QoQ
|
$-10.0M |
$15.8M
-1.3% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
37% |
| Deposits |
$7.7M
-16.3% YoY+1.9% QoQ
|
$-18.0M |
$25.7M
+1.4% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
31% |
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| ROA |
0.8%
+26.6% YoY+14.6% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
55% |
| NIM |
5.6%
+27.3% YoY+3.4% QoQ
|
+1.7% |
4.0%
+4.0% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
Top 5.9% in tier |
| Efficiency Ratio |
78.7%
-7.6% YoY+2.9% QoQ
|
-3.9% |
82.6%
-2.3% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
48% |
| Delinquency Rate |
1.4%
+35.5% YoY-16.6% QoQ
|
-0.1 |
1.6%
-3.1% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
70% |
| Loan To Share |
75.2%
+5.0% YoY-6.3% QoQ
|
+14.5% |
60.6%
-3.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
71% |
| AMR |
$8,914
-3.3% YoY-0.7% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
23% |
| CD Concentration |
1.5%
-80.8% YoY
|
-22.9% | 24.4% | 15.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.0% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)