BlastPoint's Credit Union Scorecard

BATON ROUGE TELCO

Charter #1726 · LA

100M-500M
1070 CUs in 100M-500M nationally 21 in LA

BATON ROUGE TELCO has 6 strengths but faces 4 concerns

National Analysis

How does the industry compare?
LA Analysis

How does LA stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.21% above tier average
  • + Total Loans: Top 0.1% in tier
  • + Loan-to-Share Ratio: Top 1.5% in tier
  • + Total Members: Top 3.5% in tier
  • + Total Deposits: Top 3.7% in tier
  • + Total Assets: Top 3.9% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 50.0% in tier
  • - Liquidity Strain: Bottom 50.0% in tier
  • - Share Certificate Concentration (%): Bottom 1.4% in tier
  • - Indirect Auto Concentration (%): Bottom 2.1% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Members 34,762
+1.9% YoY+0.5% QoQ
 +19.6K 15,145
-2.5% YoY
 9,512
+2.6% YoY
 33,913
+5.7% YoY
 Top 3.6% in tier
Assets $456.4M
+3.2% YoY+1.5% QoQ
 +$224.7M $231.7M
+0.8% YoY
 $128.1M
+5.9% YoY
 $578.3M
+9.0% YoY
 Top 4.0% in tier
Loans $401.7M
+1.7% YoY-0.5% QoQ
 +$257.5M $144.1M
+0.2% YoY
 $89.6M
+5.7% YoY
 $402.4M
+8.7% YoY
 Top 0.2% in tier
Deposits $398.2M
+4.1% YoY+1.4% QoQ
 +$197.0M $201.1M
+0.4% YoY
 $109.6M
+6.0% YoY
 $494.3M
+9.1% YoY
 Top 3.8% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 0.9%
+119.1% YoY+50.0% QoQ
 +0.2% 0.7%
+5.1% YoY
 0.1%
-79.1% YoY
 0.4%
-39.2% YoY
 66%
NIM 3.1%
+6.0% YoY+2.9% QoQ
 -0.5% 3.6%
+4.6% YoY
 4.2%
-0.4% YoY
 3.8%
+4.1% YoY
 21%
Efficiency Ratio 66.6%
-5.7% YoY-3.9% QoQ
 -11.4% 78.0%
-1.7% YoY
 88.0%
+2.9% YoY
 84.6%
+2.8% YoY
 19%
Delinquency Rate 0.3%
-33.9% YoY-31.8% QoQ
 -0.5 0.8%
+7.1% YoY
 1.7%
-21.7% YoY
 1.2%
+3.4% YoY
 24%
Loan To Share 100.9%
-2.2% YoY-1.9% QoQ
 +30.5% 70.4%
-0.4% YoY
 68.2%
-2.4% YoY
 65.6%
-1.4% YoY
 Top 1.6% in tier
AMR $23,009
+1.0% YoY+0.0% QoQ
 $-2K $24,918
+2.7% YoY
 $13,483
+2.5% YoY
 $19,920
+1.6% YoY
 50%
CD Concentration 50.3%
-2.7% YoY-3.7% QoQ
 +26.0% 24.3% 14.9% 19.8% 50%
Indirect Auto % 61.6%
+2.1% YoY+1.1% QoQ
 +47.8% 13.8% 5.1% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (2)

Indirect Auto Dependency

risk
#126 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 3.20%
(Tier: 4.68%, National: 1663.40%)
worse than tier avg
Indirect Auto %: 61.61%
(Tier: 13.80%, National: 7.73%)
worse than tier avg
Member Growth (YoY): 1.88%
(Tier: 0.72%, National: 10.19%)
but better than tier avg
504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally
↓ Shrinking -29 CUs YoY | Rank worsening

Liquidity Strain

risk
#54 of 183 • Bottom 50.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 100.88%
(Tier: 72.31%, National: 65.58%)
but better than tier avg
Loan Growth (YoY): 1.74%
(Tier: 4.14%, National: 1.74%)
worse than tier avg
183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally
→ Stable (182→183 CUs) +1 CUs YoY | Rank worsening

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)

Comparing against 1070 peers in tier

Top Strengths (9 metrics)

2
Total Loans
balance_sheet
Value: $401.67M
Peer Median: $121.41M
#2 of 1070 Top 0.1% in 100M-500M tier
17
Loan-to-Share Ratio
balance_sheet
Value: 100.88%
Peer Median: 71.88%
#17 of 1070 Top 1.5% in 100M-500M tier
38
Total Members
engagement
Value: 34,762
Peer Median: 13,200
#38 of 1070 Top 3.5% in 100M-500M tier
41
Total Deposits
balance_sheet
Value: $398.17M
Peer Median: $171.29M
#41 of 1070 Top 3.7% in 100M-500M tier
43
Total Assets
balance_sheet
Value: $456.42M
Peer Median: $196.57M
#43 of 1070 Top 3.9% in 100M-500M tier
173
Members Per Employee (MPE)
engagement
Value: 418.819
Peer Median: 309.176
#173 of 1070 Top 16.1% in 100M-500M tier
200
Efficiency Ratio
profitability
Value: 66.64%
Peer Median: 78.68%
#200 of 1070 Top 18.6% in 100M-500M tier
212
First Mortgage Concentration (%)
balance_sheet
Value: 14.77%
Peer Median: 29.47%
#212 of 1070 Top 19.7% in 100M-500M tier
256
Total Delinquency Rate (60+ days)
risk
Value: 0.32%
Peer Median: 0.61%
#256 of 1070 Top 23.8% in 100M-500M tier

Top Weaknesses (4 metrics)

1056
Share Certificate Concentration (%)
balance_sheet
Value: 50.29%
Peer Median: 23.10%
#1056 of 1070 Bottom 1.4% in 100M-500M tier
1049
Indirect Auto Concentration (%)
balance_sheet
Value: 61.61%
Peer Median: 6.61%
#1049 of 1070 Bottom 2.1% in 100M-500M tier
917
Net Charge-Off Rate
risk
Value: 0.89%
Peer Median: 0.35%
#917 of 1070 Bottom 14.4% in 100M-500M tier
844
Net Interest Margin (NIM)
profitability
Value: 3.12%
Peer Median: 3.62%
#844 of 1070 Bottom 21.2% in 100M-500M tier
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