BlastPoint's Credit Union Scorecard

CENLA

Charter #15602 · LA

100M-500M

1024 CUs in 100M-500M nationally 21 in LA

CENLA has 4 strengths but faces 8 concerns

National Analysis

How does the industry compare?

LA Analysis

How does LA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.78% above tier average
+ Net Worth Ratio: Top 2.4% in tier
+ Total Delinquency Rate (60+ days): Top 5.4% in tier
+ Efficiency Ratio: Top 9.7% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Cost Spiral: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Loan-to-Member Ratio (LMR): Bottom 2.6% in tier
- Total Loans: Bottom 2.7% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 21 that size in Louisiana.
Shares and deposits +3.3% year over year ($104M in shares and deposits).
Membership: 9,367 members, -1.9% vs a year ago.
Delinquency rate 0.09%.
Return on assets 1.64%.
Efficiency ratio 61.03% vs a 76.73% peer average.
Loan-to-share ratio 39.57% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Members	9,367 -1.9% YoY-0.1% QoQ	-5.8K	15,168 -2.6% YoY	9,550 +2.7% YoY	34,678 +6.6% YoY	28%
Assets	$132.2M +5.1% YoY+2.1% QoQ	$-99.8M	$232.0M +0.7% YoY	$130.2M +7.1% YoY	$593.1M +10.2% YoY	20%
Loans	$41.0M -8.9% YoY-3.6% QoQ	$-105.3M	$146.3M +0.2% YoY	$92.6M +7.3% YoY	$418.6M +10.1% YoY	Bottom 2.6% in tier
Deposits	$103.6M +3.3% YoY+2.3% QoQ	$-97.1M	$200.7M +0.2% YoY	$111.6M +7.6% YoY	$504.8M +10.3% YoY	Bottom 13.0% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.6% -39.3% YoY-22.6% QoQ	+0.8%	0.9% +12.5% YoY	1.1% +258.0% YoY	1.2% +121.4% YoY	Top 9.3% in tier
NIM	3.6% -1.9% YoY+0.4% QoQ	-0.1%	3.7% +4.5% YoY	4.2% -0.2% YoY	3.8% +2.3% YoY	47%
Efficiency Ratio	61.0% +24.5% YoY+13.1% QoQ	-15.7%	76.7% -0.8% YoY	89.3% +0.7% YoY	83.0% -5.3% YoY	Top 9.7% in tier
Delinquency Rate	0.1% -24.4% YoY	-0.8	0.9% +6.6% YoY	2.0% +21.9% YoY	1.3% +2.6% YoY	Top 5.4% in tier
Loan To Share	39.6% -11.9% YoY-5.8% QoQ	-32.0%	71.5% -0.3% YoY	68.1% -2.7% YoY	66.4% -1.4% YoY	Bottom 4.2% in tier
AMR	$15,440 +1.4% YoY+0.7% QoQ	$-10K	$25,107 +3.2% YoY	$13,536 +2.7% YoY	$20,028 -0.9% YoY	Bottom 10.7% in tier
CD Concentration	15.3% +12.5% YoY+5.8% QoQ	-9.3%	24.6%	15.1%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	5.1%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Liquidity Overhang

risk

#8 of 130 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 21.71%

(Tier: 12.53%, National: 14.66%)

but better than tier avg

Loan-to-Share Ratio: 39.57%

(Tier: 73.56%, National: 66.39%)

worse than tier avg

130 of 1024 Mid-Small & Community CUs have this signature | 148 nationally

↑ Growing +7 CUs YoY | Rank improving

Margin Compression

decline

#11 of 140 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.64%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

ROA (Prior Year): 2.71%

(Tier: 0.75%, National: 0.66%)

but better than tier avg

ROA Change (YoY): -1.07% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

140 of 1024 Mid-Small & Community CUs have this signature | 167 nationally

→ Stable (143→140 CUs) -3 CUs YoY | New qualifier

Cost Spiral

risk

#12 of 95 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 12.00% points

(Tier: -0.48% points, National: -3.74% points)

worse than tier avg

Efficiency Ratio (Prior Year): 49.03%

(Tier: 77.10%, National: 86.72%)

but better than tier avg

95 of 1024 Mid-Small & Community CUs have this signature | 106 nationally

↑ Growing +30 CUs YoY | New qualifier

Stagnation Risk

risk

#284 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.91%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -8.95%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.09%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank worsening

Institutional Decline

decline

#129 of 230 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $132.20M

(Tier: $336.17M, National: $593.11M)

worse than tier avg

Member Growth (YoY): -1.91%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -8.95%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY | Rank improving

Membership Headwinds

decline

#343 of 549 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.91%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (7 metrics)

Net Worth Ratio

risk

Value: 21.71%

Peer Median: 11.71%

#26 of 1024 Top 2.4% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.09%

Peer Median: 0.71%

#56 of 1024 Top 5.4% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.64%

Peer Median: 0.75%

#95 of 1024 Top 9.2% in 100M-500M tier

100

Efficiency Ratio

profitability

Value: 61.03%

Peer Median: 77.26%

#100 of 1024 Top 9.7% in 100M-500M tier

136

First Mortgage Concentration (%)

balance_sheet

Value: 10.87%

Peer Median: 29.92%

#136 of 1024 Top 13.2% in 100M-500M tier

220

Members Per Employee (MPE)

engagement

Value: 390.292

Peer Median: 310.924

#220 of 1024 Top 21.4% in 100M-500M tier

226

Share Certificate Concentration (%)

balance_sheet

Value: 15.30%

Peer Median: 23.39%

#226 of 1024 Top 22.0% in 100M-500M tier

Top Weaknesses (8 metrics)

998

Loan-to-Member Ratio (LMR)

engagement

Value: $4,378

Peer Median: $9,434

#998 of 1024 Bottom 2.6% in 100M-500M tier

997

Total Loans

balance_sheet

Value: $41.00M

Peer Median: $124.04M

#997 of 1024 Bottom 2.7% in 100M-500M tier

990

Loan Growth Rate

growth

Value: -8.95%

Peer Median: 3.02%

#990 of 1024 Bottom 3.4% in 100M-500M tier

981

Loan-to-Share Ratio

balance_sheet

Value: 39.57%

Peer Median: 73.07%

#981 of 1024 Bottom 4.3% in 100M-500M tier

933

Fee Income Per Member

profitability

Value: $83.30

Peer Median: $159.88

#933 of 1024 Bottom 9.0% in 100M-500M tier

914

Average Member Relationship (AMR)

engagement

Value: $15,440

Peer Median: $23,006

#914 of 1024 Bottom 10.8% in 100M-500M tier

891

Total Deposits

balance_sheet

Value: $103.62M

Peer Median: $170.77M

#891 of 1024 Bottom 13.1% in 100M-500M tier

814

Total Assets

balance_sheet

Value: $132.20M

Peer Median: $196.38M

#814 of 1024 Bottom 20.6% in 100M-500M tier