BlastPoint's Credit Union Scorecard
L.A. HEALTHCARE
Charter #16571 · CA
L.A. HEALTHCARE has 1 strength but faces 5 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 0.78% below tier average
- - Efficiency ratio 20.50% above tier (higher cost structure)
- - Member decline: -2.1% YoY
- - Net Worth Ratio: Bottom 7.0% in tier
- - Net Charge-Off Rate: Bottom 8.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,930
-2.1% YoY-0.9% QoQ
|
-695 |
2,625
-2.2% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
50% |
| Assets |
$15.2M
-0.4% YoY-2.5% QoQ
|
$-14.6M |
$29.9M
+1.1% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
41% |
| Loans |
$5.6M
-7.4% YoY-7.5% QoQ
|
$-10.2M |
$15.8M
-2.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
37% |
| Deposits |
$13.8M
-0.4% YoY-2.6% QoQ
|
$-11.6M |
$25.5M
+0.4% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
44% |
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| ROA |
-0.1%
-76.9% YoY-742.0% QoQ
|
-0.8% |
0.7%
-731.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 13.8% in tier |
| NIM |
3.7%
+9.6% YoY+3.7% QoQ
|
-0.2% |
3.9%
+3.8% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
44% |
| Efficiency Ratio |
101.9%
-6.1% YoY+2.2% QoQ
|
+20.5% |
81.4%
-2.4% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 9.8% in tier |
| Delinquency Rate |
0.3%
-66.0% YoY-59.3% QoQ
|
-1.2 |
1.5%
-2.0% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
34% |
| Loan To Share |
40.3%
-7.0% YoY-5.0% QoQ
|
-20.9% |
61.2%
-3.0% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
19% |
| AMR |
$10,059
-0.4% YoY-3.1% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
29% |
| CD Concentration |
7.6%
+80.7% YoY-0.7% QoQ
|
-16.8% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
4.6%
-29.5% YoY-2.7% QoQ
|
-9.4% |
14.0%
-5.7% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
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)