BlastPoint's Credit Union Scorecard
L.A. HEALTHCARE
Charter #16571 · CA
L.A. HEALTHCARE faces 7 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.43% below tier average
- - Efficiency ratio 13.05% above tier (higher cost structure)
- - Member decline: -2.4% YoY
- - Loan Growth Rate: Bottom 4.1% in tier
- - Net Worth Ratio: Bottom 6.5% in tier
- - Net Charge-Off Rate: Bottom 8.1% in tier
- - AMR Growth Rate: Bottom 8.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,906
-2.4% YoY-0.5% QoQ
|
-770 |
2,676
+1.6% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
50% |
| Assets |
$15.0M
-4.7% YoY-2.9% QoQ
|
$-15.2M |
$30.2M
+1.3% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
41% |
| Loans |
$4.8M
-24.2% YoY-8.5% QoQ
|
$-10.4M |
$15.3M
-2.0% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
34% |
| Deposits |
$13.6M
-4.8% YoY-2.6% QoQ
|
$-12.2M |
$25.8M
+0.7% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
43% |
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| ROA |
-0.3%
+181.2% YoY-20.8% QoQ
|
-0.4% |
0.1%
-77.6% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
16% |
| NIM |
3.9%
+6.3% YoY+1.9% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
56% |
| Efficiency Ratio |
103.7%
+1.8% YoY+2.5% QoQ
|
+13.1% |
90.6%
+6.5% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
Bottom 13.4% in tier |
| Delinquency Rate |
1.0%
+33.9% YoY+48.3% QoQ
|
-0.5 |
1.5%
+3.8% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
64% |
| Loan To Share |
35.6%
-20.4% YoY-6.0% QoQ
|
-22.9% |
58.5%
-3.0% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
17% |
| AMR |
$9,677
-8.7% YoY-3.7% QoQ
|
$-5K |
$14,884
-1.7% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
26% |
| CD Concentration |
4.4%
-41.0% YoY-4.9% QoQ
|
-19.9% | 24.3% | 21.6% | 19.8% | 50% |
| Indirect Auto % |
4.3%
-12.7% YoY-2.5% QoQ
|
-9.5% | 13.8% | 9.0% | 7.7% | 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)