BlastPoint's Credit Union Scorecard
CENLA
Charter #15602 · LA
CENLA has 7 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Profitability Leader: Top 3.2% in tier
- + Credit Quality Leader: Top 15.0% in tier
- + ROA 1.76% above tier average
- + Net Interest Margin 0.18% above tier average
- + Net Worth Ratio: Top 2.0% in tier
- + Efficiency Ratio: Top 2.4% in tier
- + Total Delinquency Rate (60+ days): Top 4.3% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 8.3% in tier
- - Liquidity Overhang: Bottom 9.0% in tier
- - Membership Headwinds: Bottom 17.3% in tier
- - Institutional Decline: Bottom 22.2% in tier
- - Member decline: -2.4% YoY
- - Total Loans: Bottom 3.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.5% in tier
- - Loan-to-Share Ratio: Bottom 6.0% in tier
- - Total Deposits: Bottom 9.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,448
-2.4% YoY-1.1% QoQ
|
-6.2K |
15,628
-3.4% YoY
|
9,352
+2.6% YoY
|
33,089
+6.1% YoY
|
26% |
| Assets |
$125.0M
+6.3% YoY-0.7% QoQ
|
$-106.3M |
$231.3M
-0.0% YoY
|
$121.4M
+4.9% YoY
|
$547.7M
+7.8% YoY
|
17% |
| Loans |
$43.8M
-5.7% YoY-2.6% QoQ
|
$-104.0M |
$147.8M
-1.4% YoY
|
$86.9M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 2.9% in tier |
| Deposits |
$98.7M
+3.8% YoY-1.6% QoQ
|
$-101.6M |
$200.3M
-0.0% YoY
|
$103.9M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 9.6% in tier |
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| ROA |
2.5%
+54.6% YoY-6.0% QoQ
|
+1.8% |
0.8%
+15.5% YoY
|
0.5%
+1.1% YoY
|
0.7%
+273.4% YoY
|
Top 1.1% in tier |
| NIM |
3.8%
-4.0% YoY+2.0% QoQ
|
+0.2% |
3.6%
+6.9% YoY
|
4.3%
+3.2% YoY
|
3.7%
+5.0% YoY
|
60% |
| Efficiency Ratio |
50.3%
-19.3% YoY+2.7% QoQ
|
-26.9% |
77.3%
-3.0% YoY
|
82.9%
-3.6% YoY
|
79.1%
-3.3% YoY
|
Bottom 2.4% in tier |
| Delinquency Rate |
0.1%
-77.7% YoY-22.7% QoQ
|
-0.8 |
0.9%
+7.6% YoY
|
1.8%
-12.2% YoY
|
1.2%
-0.9% YoY
|
Bottom 4.3% in tier |
| Loan To Share |
44.4%
-9.1% YoY-1.1% QoQ
|
-28.3% |
72.7%
-1.5% YoY
|
70.9%
-2.6% YoY
|
68.0%
-1.7% YoY
|
Bottom 5.9% in tier |
| AMR |
$15,090
+3.2% YoY-0.9% QoQ
|
$-9K |
$24,363
+2.9% YoY
|
$13,297
+2.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 9.9% in tier |
| CD Concentration |
13.7%
+2.4% YoY+1.0% QoQ
|
-10.7% |
24.4%
+4.2% YoY
|
15.0%
+9.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
0.0%
-50.9% YoY-25.6% QoQ
|
-13.9% |
14.0%
-5.7% YoY
|
5.3%
+10.6% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (4)
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)