BlastPoint's Credit Union Scorecard
NEW ORLEANS PUBLIC BELT RAILROAD
Charter #1665 · LA
2596 CUs in <100M nationally
108 in LA
NEW ORLEANS PUBLIC BELT RAILROAD has 4 strengths but faces 13 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.98% above tier average
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 1.40% below tier average
- - Efficiency ratio 25.18% above tier (higher cost structure)
- - Deposit Growth Rate: Bottom 1.8% in tier
- - Asset Growth Rate: Bottom 1.9% in tier
- - AMR Growth Rate: Bottom 2.4% in tier
- - Total Deposits: Bottom 2.5% in tier
- - Total Members: Bottom 2.7% in tier
- - Total Assets: Bottom 2.7% in tier
- - Indirect Auto Concentration (%): Bottom 3.4% in tier
- - Total Loans: Bottom 4.7% in tier
- - Loan Growth Rate: Bottom 5.4% in tier
- - Average Member Relationship (AMR): Bottom 6.5% in tier
- - Members Per Employee (MPE): Bottom 9.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
141
-0.7% YoY-3.4% QoQ
|
-2.5K |
2,625
-2.2% YoY
|
9,352
+2.6% YoY
|
33,089
+6.1% YoY
|
Bottom 2.6% in tier |
| Assets |
$409,994
-15.0% YoY-1.2% QoQ
|
$-29.4M |
$29.9M
+1.1% YoY
|
$121.4M
+4.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 2.7% in tier |
| Loans |
$259,388
-20.9% YoY-0.3% QoQ
|
$-15.5M |
$15.8M
-2.4% YoY
|
$86.9M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 4.7% in tier |
| Deposits |
$309,170
-18.5% YoY-1.2% QoQ
|
$-25.1M |
$25.5M
+0.4% YoY
|
$103.9M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 2.5% in tier |
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| ROA |
-0.7%
+617.7% YoY+82.9% QoQ
|
-1.4% |
0.7%
-731.4% YoY
|
0.5%
+1.1% YoY
|
0.7%
+273.4% YoY
|
Bottom 6.9% in tier |
| NIM |
6.9%
+3.3% YoY+0.3% QoQ
|
+3.0% |
3.9%
+3.8% YoY
|
4.3%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Top 1.6% in tier |
| Efficiency Ratio |
106.6%
+8.9% YoY+4.2% QoQ
|
+25.2% |
81.4%
-2.4% YoY
|
82.9%
-3.6% YoY
|
79.1%
-3.3% YoY
|
Top 7.5% in tier |
| Delinquency Rate | 0.2% | -1.4 |
1.5%
-2.0% YoY
|
1.8%
-12.2% YoY
|
1.2%
-0.9% YoY
|
24% |
| Loan To Share |
83.9%
-3.0% YoY+0.9% QoQ
|
+22.7% |
61.2%
-3.0% YoY
|
70.9%
-2.6% YoY
|
68.0%
-1.7% YoY
|
82% |
| AMR |
$4,032
-19.1% YoY+2.7% QoQ
|
$-11K |
$14,627
-2.7% YoY
|
$13,297
+2.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 6.5% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
15.0%
+9.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 34.6% | +20.6% |
14.0%
-5.7% YoY
|
5.3%
+10.6% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (7 metrics)
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
41
Net Interest Margin (NIM)
profitability
Value:
6.91%
Peer Avg: -
#41 of 2596
Top 1.5% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
331
Net Worth Ratio
risk
Value:
23.81%
Peer Avg: -
#331 of 2596
Top 12.7% in <100M tier
467
Loan-to-Share Ratio
balance_sheet
Value:
83.90%
Peer Avg: -
#467 of 2596
Top 18.0% in <100M tier
631
Total Delinquency Rate (60+ days)
risk
Value:
0.15%
Peer Avg: -
#631 of 2596
Top 24.3% in <100M tier
Top Weaknesses (15 metrics)
2550
Deposit Growth Rate
growth
Value:
-18.51%
Peer Avg: -
#2550 of 2596
Bottom 1.8% in <100M tier
2548
Asset Growth Rate
growth
Value:
-15.05%
Peer Avg: -
#2548 of 2596
Bottom 1.9% in <100M tier
2534
AMR Growth Rate
growth
Value:
-19.07%
Peer Avg: -
#2534 of 2596
Bottom 2.4% in <100M tier
2531
Total Deposits
balance_sheet
Value:
$309,170
Peer Avg: -
#2531 of 2596
Bottom 2.5% in <100M tier
2528
Total Members
engagement
Value:
141
Peer Avg: -
#2528 of 2596
Bottom 2.7% in <100M tier
2527
Total Assets
balance_sheet
Value:
$409,994
Peer Avg: -
#2527 of 2596
Bottom 2.7% in <100M tier
2508
Indirect Auto Concentration (%)
balance_sheet
Value:
34.56%
Peer Avg: -
#2508 of 2596
Bottom 3.4% in <100M tier
2474
Total Loans
balance_sheet
Value:
$259,388
Peer Avg: -
#2474 of 2596
Bottom 4.7% in <100M tier
2458
Loan Growth Rate
growth
Value:
-20.94%
Peer Avg: -
#2458 of 2596
Bottom 5.4% in <100M tier
2427
Average Member Relationship (AMR)
engagement
Value:
$4,032
Peer Avg: -
#2427 of 2596
Bottom 6.5% in <100M tier