BlastPoint's Credit Union Scorecard
CENLA
Charter #15602 · LA
CENLA has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.39% above tier average
- + Net Worth Ratio: Top 2.0% in tier
- + Total Delinquency Rate (60+ days): Top 2.4% in tier
- + Efficiency Ratio: Top 3.8% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Member decline: -2.2% YoY
- - Total Loans: Bottom 3.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.6% in tier
- - Loan-to-Share Ratio: Bottom 5.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,378
-2.2% YoY-0.2% QoQ
|
-5.8K |
15,145
-2.5% YoY
|
9,512
+2.6% YoY
|
33,913
+5.7% YoY
|
28% |
| Assets |
$129.5M
+3.3% YoY+1.6% QoQ
|
$-102.2M |
$231.7M
+0.8% YoY
|
$128.1M
+5.9% YoY
|
$578.3M
+9.0% YoY
|
19% |
| Loans |
$42.5M
-6.1% YoY+1.5% QoQ
|
$-101.6M |
$144.1M
+0.2% YoY
|
$89.6M
+5.7% YoY
|
$402.4M
+8.7% YoY
|
Bottom 3.5% in tier |
| Deposits |
$101.3M
+0.4% YoY+1.3% QoQ
|
$-99.8M |
$201.1M
+0.4% YoY
|
$109.6M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 11.2% in tier |
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| ROA |
2.1%
+9.7% YoY-7.6% QoQ
|
+1.4% |
0.7%
+5.1% YoY
|
0.1%
-79.1% YoY
|
0.4%
-39.2% YoY
|
Top 2.9% in tier |
| NIM |
3.6%
-2.4% YoY-3.7% QoQ
|
+0.0% |
3.6%
+4.6% YoY
|
4.2%
-0.4% YoY
|
3.8%
+4.1% YoY
|
49% |
| Efficiency Ratio |
54.0%
-7.1% YoY+2.0% QoQ
|
-24.1% |
78.0%
-1.7% YoY
|
88.0%
+2.9% YoY
|
84.6%
+2.8% YoY
|
Top 3.8% in tier |
| Delinquency Rate |
0.0%
-61.4% YoY-84.9% QoQ
|
-0.7 |
0.8%
+7.1% YoY
|
1.7%
-21.7% YoY
|
1.2%
+3.4% YoY
|
Top 2.4% in tier |
| Loan To Share |
42.0%
-6.4% YoY+0.2% QoQ
|
-28.4% |
70.4%
-0.4% YoY
|
68.2%
-2.4% YoY
|
65.6%
-1.4% YoY
|
Bottom 5.5% in tier |
| AMR |
$15,337
+0.6% YoY+1.6% QoQ
|
$-10K |
$24,918
+2.7% YoY
|
$13,483
+2.5% YoY
|
$19,920
+1.6% YoY
|
Bottom 10.3% in tier |
| CD Concentration |
14.5%
+8.9% YoY+3.7% QoQ
|
-9.8% | 24.3% | 14.9% | 19.8% | 50% |
| Indirect Auto % |
0.0%
-52.5% YoY
|
-13.8% | 13.8% | 5.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)