BlastPoint's Credit Union Scorecard
NEW ORLEANS PUBLIC BELT RAILROAD
Charter #1665 · LA
<100M
2508 CUs in <100M nationally
107 in LA
NEW ORLEANS PUBLIC BELT RAILROAD has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.98% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 3.56% below tier average
- - Efficiency ratio 53.21% above tier (higher cost structure)
- - Member decline: -6.0% YoY
- - Deposit Growth Rate: Bottom 2.0% in tier
- - Total Deposits: Bottom 2.1% in tier
- - Asset Growth Rate: Bottom 2.2% in tier
- - Total Assets: Bottom 2.3% in tier
- - Total Members: Bottom 2.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
140
-6.0% YoY-0.7% QoQ
|
-2.5K |
2,676
+1.6% YoY
|
9,512
+2.6% YoY
|
33,913
+5.7% YoY
|
Bottom 2.6% in tier |
| Assets |
$378,282
-14.2% YoY-1.4% QoQ
|
$-29.8M |
$30.2M
+1.3% YoY
|
$128.1M
+5.9% YoY
|
$578.3M
+9.0% YoY
|
Bottom 2.3% in tier |
| Loans |
$231,715
-16.2% YoY-8.0% QoQ
|
$-15.0M |
$15.3M
-2.0% YoY
|
$89.6M
+5.7% YoY
|
$402.4M
+8.7% YoY
|
Bottom 4.6% in tier |
| Deposits |
$280,712
-17.6% YoY-0.8% QoQ
|
$-25.5M |
$25.8M
+0.7% YoY
|
$109.6M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 2.0% in tier |
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| ROA |
-3.4%
+99.0% YoY+512.7% QoQ
|
-3.6% |
0.1%
-77.6% YoY
|
0.1%
-79.1% YoY
|
0.4%
-39.2% YoY
|
Bottom 2.9% in tier |
| NIM |
7.0%
+18.2% YoY-6.5% QoQ
|
+3.0% |
4.0%
+4.0% YoY
|
4.2%
-0.4% YoY
|
3.8%
+4.1% YoY
|
Top 1.4% in tier |
| Efficiency Ratio |
143.8%
+15.7% YoY+38.8% QoQ
|
+53.2% |
90.6%
+6.5% YoY
|
88.0%
+2.9% YoY
|
84.6%
+2.8% YoY
|
Bottom 3.3% in tier |
| Delinquency Rate |
0.0%
-100.0% QoQ
|
-1.5 |
1.5%
+3.8% YoY
|
1.7%
-21.7% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
82.5%
+1.7% YoY-7.3% QoQ
|
+24.0% |
58.5%
-3.0% YoY
|
68.2%
-2.4% YoY
|
65.6%
-1.4% YoY
|
84% |
| AMR |
$3,660
-11.6% YoY-3.5% QoQ
|
$-11K |
$14,884
-1.7% YoY
|
$13,483
+2.5% YoY
|
$19,920
+1.6% YoY
|
Bottom 5.5% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 14.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.1% | 7.7% | 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 (8 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: 0.65%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
34
Net Interest Margin (NIM)
profitability
Value:
6.98%
Peer Median: 3.83%
#34 of 2508
Top 1.3% in <100M tier
272
Net Worth Ratio
risk
Value:
24.96%
Peer Median: 14.28%
#272 of 2508
Top 10.8% in <100M tier
390
Loan-to-Share Ratio
balance_sheet
Value:
82.55%
Peer Median: 58.72%
#390 of 2508
Top 15.5% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (15 metrics)
2459
Deposit Growth Rate
growth
Value:
-17.57%
Peer Median: 0.66%
#2459 of 2508
Bottom 2.0% in <100M tier
2457
Total Deposits
balance_sheet
Value:
$280,712
Peer Median: $18.77M
#2457 of 2508
Bottom 2.1% in <100M tier
2454
Asset Growth Rate
growth
Value:
-14.17%
Peer Median: 1.30%
#2454 of 2508
Bottom 2.2% in <100M tier
2451
Total Assets
balance_sheet
Value:
$378,282
Peer Median: $21.86M
#2451 of 2508
Bottom 2.3% in <100M tier
2442
Total Members
engagement
Value:
140
Peer Median: 1,918
#2442 of 2508
Bottom 2.7% in <100M tier
2436
Return on Assets (ROA)
profitability
Value:
-3.41%
Peer Median: 0.61%
#2436 of 2508
Bottom 2.9% in <100M tier
2427
Efficiency Ratio
profitability
Value:
143.84%
Peer Median: 81.45%
#2427 of 2508
Bottom 3.3% in <100M tier
2393
Total Loans
balance_sheet
Value:
$231,715
Peer Median: $9.48M
#2393 of 2508
Bottom 4.6% in <100M tier
2370
Average Member Relationship (AMR)
engagement
Value:
$3,660
Peer Median: $13,926
#2370 of 2508
Bottom 5.5% in <100M tier
2366
AMR Growth Rate
growth
Value:
-11.61%
Peer Median: 1.27%
#2366 of 2508
Bottom 5.7% in <100M tier