BlastPoint's Credit Union Scorecard
SEVENFOLD
Charter #1725 · LA
SEVENFOLD has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.13% above tier average
- + Net Interest Margin 0.13% above tier average
- + Fee Income Per Member: Top 4.9% in tier
- + Deposit Growth Rate: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 0.14% above tier (higher cost structure)
- - Delinquency rate 0.17% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,619
+0.2% YoY-0.5% QoQ
|
+993 |
2,625
-2.2% YoY
|
9,352
+2.6% YoY
|
33,089
+6.1% YoY
|
75% |
| Assets |
$53.2M
+9.1% YoY-0.4% QoQ
|
+$23.4M |
$29.9M
+1.1% YoY
|
$121.4M
+4.9% YoY
|
$547.7M
+7.8% YoY
|
79% |
| Loans |
$23.5M
-2.1% YoY+2.9% QoQ
|
+$7.7M |
$15.8M
-2.4% YoY
|
$86.9M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
75% |
| Deposits |
$46.0M
+9.5% YoY-0.5% QoQ
|
+$20.6M |
$25.5M
+0.4% YoY
|
$103.9M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
79% |
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| ROA |
0.8%
-46.6% YoY+8.3% QoQ
|
+0.1% |
0.7%
-731.4% YoY
|
0.5%
+1.1% YoY
|
0.7%
+273.4% YoY
|
52% |
| NIM |
4.1%
-4.6% YoY-1.6% QoQ
|
+0.1% |
3.9%
+3.8% YoY
|
4.3%
+3.2% YoY
|
3.7%
+5.0% YoY
|
57% |
| Efficiency Ratio |
81.5%
+16.1% YoY+0.7% QoQ
|
+0.1% |
81.4%
-2.4% YoY
|
82.9%
-3.6% YoY
|
79.1%
-3.3% YoY
|
58% |
| Delinquency Rate |
1.7%
+94.8% YoY+14.3% QoQ
|
+0.2 |
1.5%
-2.0% YoY
|
1.8%
-12.2% YoY
|
1.2%
-0.9% YoY
|
75% |
| Loan To Share |
51.0%
-10.6% YoY+3.5% QoQ
|
-10.2% |
61.2%
-3.0% YoY
|
70.9%
-2.6% YoY
|
68.0%
-1.7% YoY
|
34% |
| AMR |
$19,208
+5.1% YoY+1.2% QoQ
|
+$5K |
$14,627
-2.7% YoY
|
$13,297
+2.9% YoY
|
$19,418
+1.3% YoY
|
76% |
| CD Concentration |
20.8%
+39.3% YoY-0.8% QoQ
|
-3.6% |
24.4%
+4.2% YoY
|
15.0%
+9.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
4.1%
-16.6% YoY-13.8% QoQ
|
-9.9% |
14.0%
-5.7% YoY
|
5.3%
+10.6% 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)