BlastPoint's Credit Union Scorecard
S T S P
Charter #15089 · LA
<100M
2508 CUs in <100M nationally
107 in LA
S T S P has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.74% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.91% below tier average
- - Efficiency ratio 25.37% above tier (higher cost structure)
- - Delinquency rate 3.53% above tier average
- - Total Assets: Bottom 4.3% in tier
- - Total Deposits: Bottom 5.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 5.9% in tier
- - Average Member Relationship (AMR): Bottom 6.0% in tier
- - Fee Income Per Member: Bottom 6.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
299
+1.4% YoY+0.3% QoQ
|
-2.4K |
2,676
+1.6% YoY
|
9,512
+2.6% YoY
|
33,913
+5.7% YoY
|
Bottom 7.9% in tier |
| Assets |
$791,054
-7.7% YoY-1.1% QoQ
|
$-29.4M |
$30.2M
+1.3% YoY
|
$128.1M
+5.9% YoY
|
$578.3M
+9.0% YoY
|
Bottom 4.3% in tier |
| Loans |
$428,234
+8.7% YoY-8.2% QoQ
|
$-14.9M |
$15.3M
-2.0% YoY
|
$89.6M
+5.7% YoY
|
$402.4M
+8.7% YoY
|
Bottom 7.0% in tier |
| Deposits |
$719,854
-7.8% YoY-1.0% QoQ
|
$-25.1M |
$25.8M
+0.7% YoY
|
$109.6M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 5.1% in tier |
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| ROA |
-0.8%
-40.3% YoY+30.7% QoQ
|
-0.9% |
0.1%
-77.6% YoY
|
0.1%
-79.1% YoY
|
0.4%
-39.2% YoY
|
Bottom 9.9% in tier |
| NIM |
4.7%
+7.9% YoY+12.0% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
4.2%
-0.4% YoY
|
3.8%
+4.1% YoY
|
84% |
| Efficiency Ratio |
116.0%
+66.7% YoY+28.2% QoQ
|
+25.4% |
90.6%
+6.5% YoY
|
88.0%
+2.9% YoY
|
84.6%
+2.8% YoY
|
Bottom 6.8% in tier |
| Delinquency Rate |
5.0%
+3.6% YoY+19.2% QoQ
|
+3.5 |
1.5%
+3.8% YoY
|
1.7%
-21.7% YoY
|
1.2%
+3.4% YoY
|
Bottom 5.9% in tier |
| Loan To Share |
59.5%
+17.9% YoY-7.2% QoQ
|
+1.0% |
58.5%
-3.0% YoY
|
68.2%
-2.4% YoY
|
65.6%
-1.4% YoY
|
51% |
| AMR |
$3,840
-3.6% YoY-4.1% QoQ
|
$-11K |
$14,884
-1.7% YoY
|
$13,483
+2.5% YoY
|
$19,920
+1.6% YoY
|
Bottom 6.0% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 14.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.1% | 7.7% | 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 (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
307
Loan Growth Rate
growth
Value:
8.67%
Peer Median: -2.36%
#307 of 2508
Top 12.2% in <100M tier
411
Net Interest Margin (NIM)
profitability
Value:
4.75%
Peer Median: 3.83%
#411 of 2508
Top 16.3% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
521
Member Growth Rate
growth
Value:
1.36%
Peer Median: -1.37%
#521 of 2508
Top 20.7% in <100M tier
Top Weaknesses (15 metrics)
2400
Total Assets
balance_sheet
Value:
$791,054
Peer Median: $21.86M
#2400 of 2508
Bottom 4.3% in <100M tier
2379
Total Deposits
balance_sheet
Value:
$719,854
Peer Median: $18.77M
#2379 of 2508
Bottom 5.2% in <100M tier
2360
Total Delinquency Rate (60+ days)
risk
Value:
5.03%
Peer Median: 0.65%
#2360 of 2508
Bottom 5.9% in <100M tier
2358
Average Member Relationship (AMR)
engagement
Value:
$3,840
Peer Median: $13,926
#2358 of 2508
Bottom 6.0% in <100M tier
2346
Fee Income Per Member
profitability
Value:
$0.36
Peer Median: $60.42
#2346 of 2508
Bottom 6.5% in <100M tier
2339
Efficiency Ratio
profitability
Value:
116.00%
Peer Median: 81.45%
#2339 of 2508
Bottom 6.8% in <100M tier
2333
Total Loans
balance_sheet
Value:
$428,234
Peer Median: $9.48M
#2333 of 2508
Bottom 7.0% in <100M tier
2311
Asset Growth Rate
growth
Value:
-7.74%
Peer Median: 1.30%
#2311 of 2508
Bottom 7.9% in <100M tier
2309
Total Members
engagement
Value:
299
Peer Median: 1,918
#2309 of 2508
Bottom 8.0% in <100M tier
2293
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,432
Peer Median: $4,923
#2293 of 2508
Bottom 8.6% in <100M tier