BlastPoint's Credit Union Scorecard
S T S P
Charter #15089 · LA
2596 CUs in <100M nationally
108 in LA
S T S P has 5 strengths but faces 14 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.29% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 1.54% below tier average
- - Efficiency ratio 8.57% above tier (higher cost structure)
- - Delinquency rate 4.51% above tier average
- - Loan Growth Rate: Bottom 2.9% in tier
- - AMR Growth Rate: Bottom 3.8% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.5% in tier
- - Total Assets: Bottom 4.9% in tier
- - Total Loans: Bottom 5.5% in tier
- - Total Deposits: Bottom 5.7% in tier
- - Average Member Relationship (AMR): Bottom 5.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.4% in tier
- - Net Worth Ratio: Bottom 7.6% in tier
- - Total Members: Bottom 7.8% in tier
- - Members Per Employee (MPE): Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
293
+1.4% YoY-0.7% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
9,352
+2.6% YoY
|
33,089
+6.1% YoY
|
Bottom 7.7% in tier |
| Assets |
$827,159
-5.7% YoY-3.4% QoQ
|
$-29.0M |
$29.9M
+1.1% YoY
|
$121.4M
+4.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 4.8% in tier |
| Loans |
$327,022
-28.5% YoY-10.0% QoQ
|
$-15.4M |
$15.8M
-2.4% YoY
|
$86.9M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 5.5% in tier |
| Deposits |
$755,125
-5.3% YoY-3.7% QoQ
|
$-24.7M |
$25.5M
+0.4% YoY
|
$103.9M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 5.7% in tier |
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| ROA |
-0.9%
-193.7% YoY-35.8% QoQ
|
-1.5% |
0.7%
-731.4% YoY
|
0.5%
+1.1% YoY
|
0.7%
+273.4% YoY
|
Bottom 6.2% in tier |
| NIM |
4.2%
-13.2% YoY-1.0% QoQ
|
+0.3% |
3.9%
+3.8% YoY
|
4.3%
+3.2% YoY
|
3.7%
+5.0% YoY
|
64% |
| Efficiency Ratio |
90.0%
+9.9% YoY-10.5% QoQ
|
+8.6% |
81.4%
-2.4% YoY
|
82.9%
-3.6% YoY
|
79.1%
-3.3% YoY
|
76% |
| Delinquency Rate |
6.0%
+31.0% YoY+13.4% QoQ
|
+4.5 |
1.5%
-2.0% YoY
|
1.8%
-12.2% YoY
|
1.2%
-0.9% YoY
|
Top 4.5% in tier |
| Loan To Share |
43.3%
-24.6% YoY-6.6% QoQ
|
-17.9% |
61.2%
-3.0% YoY
|
70.9%
-2.6% YoY
|
68.0%
-1.7% YoY
|
23% |
| AMR |
$3,693
-14.9% YoY-5.1% QoQ
|
$-11K |
$14,627
-2.7% YoY
|
$13,297
+2.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 5.7% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
15.0%
+9.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.3%
+10.6% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
534
Member Growth Rate
growth
Value:
1.38%
Peer Avg: -
#534 of 2596
Top 20.5% in <100M tier
Top Weaknesses (17 metrics)
2523
Loan Growth Rate
growth
Value:
-28.54%
Peer Avg: -
#2523 of 2596
Bottom 2.9% in <100M tier
2499
AMR Growth Rate
growth
Value:
-14.94%
Peer Avg: -
#2499 of 2596
Bottom 3.8% in <100M tier
2479
Total Delinquency Rate (60+ days)
risk
Value:
6.02%
Peer Avg: -
#2479 of 2596
Bottom 4.5% in <100M tier
2471
Total Assets
balance_sheet
Value:
$827,159
Peer Avg: -
#2471 of 2596
Bottom 4.9% in <100M tier
2453
Total Loans
balance_sheet
Value:
$327,022
Peer Avg: -
#2453 of 2596
Bottom 5.5% in <100M tier
2449
Total Deposits
balance_sheet
Value:
$755,125
Peer Avg: -
#2449 of 2596
Bottom 5.7% in <100M tier
2447
Average Member Relationship (AMR)
engagement
Value:
$3,693
Peer Avg: -
#2447 of 2596
Bottom 5.8% in <100M tier
2435
Return on Assets (ROA)
profitability
Value:
-0.86%
Peer Avg: -
#2435 of 2596
Bottom 6.2% in <100M tier
2430
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,116
Peer Avg: -
#2430 of 2596
Bottom 6.4% in <100M tier
2399
Net Worth Ratio
risk
Value:
8.71%
Peer Avg: -
#2399 of 2596
Bottom 7.6% in <100M tier