BlastPoint's Credit Union Scorecard
L.A. HEALTHCARE
Charter #16571 · CA
L.A. HEALTHCARE has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.98% below tier average
- - Efficiency ratio 18.55% above tier (higher cost structure)
- - Member decline: -2.8% YoY
- - Loan Growth Rate: Bottom 5.1% in tier
- - Net Worth Ratio: Bottom 5.5% in tier
- - Net Charge-Off Rate: Bottom 5.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,916
-2.8% YoY-0.7% QoQ
|
-699 |
2,615
-1.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
50% |
| Assets |
$15.4M
+2.8% YoY+1.3% QoQ
|
$-14.7M |
$30.1M
+2.1% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
41% |
| Loans |
$5.3M
-20.8% YoY-5.2% QoQ
|
$-10.5M |
$15.8M
-1.3% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
36% |
| Deposits |
$14.0M
+3.0% YoY+1.0% QoQ
|
$-11.7M |
$25.7M
+1.4% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
44% |
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| ROA |
-0.4%
+36.5% YoY+252.7% QoQ
|
-1.0% |
0.6%
+10.8% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 10.3% in tier |
| NIM |
3.9%
+8.0% YoY+3.7% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
49% |
| Efficiency Ratio |
101.1%
-3.6% YoY-0.8% QoQ
|
+18.5% |
82.6%
-2.3% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
Top 10.5% in tier |
| Delinquency Rate |
0.7%
-28.7% YoY+103.4% QoQ
|
-0.9 |
1.6%
-3.1% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
48% |
| Loan To Share |
37.9%
-23.1% YoY-6.1% QoQ
|
-22.8% |
60.6%
-3.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
17% |
| AMR |
$10,052
-2.1% YoY-0.1% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
29% |
| CD Concentration |
4.6%
-40.2% YoY-39.1% QoQ
|
-19.8% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % |
4.4%
-17.9% YoY-3.8% QoQ
|
-9.3% | 13.8% | 9.2% | 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)