BlastPoint's Credit Union Scorecard
CENLA
Charter #15602 · LA
CENLA has 5 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.53% above tier average
- + Net Interest Margin 0.14% above tier average
- + Net Worth Ratio: Top 2.0% in tier
- + Efficiency Ratio: Top 2.7% in tier
- + Net Charge-Off Rate: Top 4.7% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 5.2% in tier
- - Stagnation Risk: Bottom 36.7% in tier
- - Institutional Decline: Bottom 46.9% in tier
- - Membership Headwinds: Bottom 50.6% in tier
- - Member decline: -2.7% YoY
- - Loan Growth Rate: Bottom 2.5% in tier
- - Total Loans: Bottom 2.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.1% in tier
- - Loan-to-Share Ratio: Bottom 5.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,397
-2.7% YoY-0.5% QoQ
|
-6.0K |
15,437
-2.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
27% |
| Assets |
$127.4M
+6.3% YoY+2.0% QoQ
|
$-104.4M |
$231.9M
+1.3% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
18% |
| Loans |
$41.9M
-10.3% YoY-4.4% QoQ
|
$-105.4M |
$147.3M
-0.1% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 2.7% in tier |
| Deposits |
$100.0M
+4.1% YoY+1.2% QoQ
|
$-100.8M |
$200.8M
+0.8% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 10.3% in tier |
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| ROA |
2.3%
+42.9% YoY-9.8% QoQ
|
+1.5% |
0.8%
+18.2% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
Top 1.4% in tier |
| NIM |
3.7%
-3.8% YoY-0.4% QoQ
|
+0.1% |
3.6%
+6.7% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
58% |
| Efficiency Ratio |
52.9%
-16.5% YoY+5.1% QoQ
|
-24.1% |
77.0%
-3.1% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
Bottom 2.7% in tier |
| Delinquency Rate |
0.3%
-7.3% YoY+211.1% QoQ
|
-0.6 |
0.9%
+4.2% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
16% |
| Loan To Share |
41.9%
-13.9% YoY-5.6% QoQ
|
-30.3% |
72.2%
-1.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
Bottom 5.0% in tier |
| AMR |
$15,099
+2.1% YoY+0.1% QoQ
|
$-10K |
$24,676
+3.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
Bottom 10.0% in tier |
| CD Concentration |
13.9%
+0.8% YoY+1.5% QoQ
|
-10.5% | 24.4% | 15.2% | 19.8% | 50% |
| Indirect Auto % |
0.0%
-48.9% YoY-7.1% QoQ
|
-13.8% | 13.8% | 5.0% | 7.8% | 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.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)