BlastPoint's Credit Union Scorecard
S T S P
Charter #15089 · LA
S T S P has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.29% above tier average
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 1.20% below tier average
- - Efficiency ratio 7.90% above tier (higher cost structure)
- - Delinquency rate 2.67% above tier average
- - Total Assets: Bottom 4.5% in tier
- - Total Deposits: Bottom 5.4% in tier
- - Average Member Relationship (AMR): Bottom 6.1% in tier
- - Total Loans: Bottom 7.2% in tier
- - Total Members: Bottom 7.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
298
+2.1% YoY+1.7% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
Bottom 7.6% in tier |
| Assets |
$799,898
-5.6% YoY-3.3% QoQ
|
$-29.3M |
$30.1M
+2.1% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
Bottom 4.5% in tier |
| Loans |
$466,251
+5.0% YoY+42.6% QoQ
|
$-15.3M |
$15.8M
-1.3% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 7.2% in tier |
| Deposits |
$727,191
-5.3% YoY-3.7% QoQ
|
$-25.0M |
$25.7M
+1.4% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 5.3% in tier |
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| ROA |
-0.6%
-202.3% YoY-32.1% QoQ
|
-1.2% |
0.6%
+10.8% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
Bottom 8.1% in tier |
| NIM |
4.2%
-15.8% YoY+0.3% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
64% |
| Efficiency Ratio |
90.5%
+10.6% YoY+0.5% QoQ
|
+7.9% |
82.6%
-2.3% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
76% |
| Delinquency Rate |
4.2%
-2.0% YoY-29.9% QoQ
|
+2.7 |
1.6%
-3.1% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
Bottom 7.9% in tier |
| Loan To Share |
64.1%
+10.9% YoY+48.1% QoQ
|
+3.5% |
60.6%
-3.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
55% |
| AMR |
$4,005
-3.5% YoY+8.4% QoQ
|
$-11K |
$14,783
-1.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
Bottom 6.0% in tier |
| CD Concentration | 0.0% | -24.4% | 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)