BlastPoint's Credit Union Scorecard
BATON ROUGE TELCO
Charter #1726 · LA
BATON ROUGE TELCO has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Loans: Top 0.1% in tier
- + Loan-to-Share Ratio: Top 2.2% in tier
- + Total Members: Top 3.5% in tier
- + Total Deposits: Top 3.8% in tier
- + Total Assets: Top 4.1% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Liquidity Strain: Bottom 50.0% in tier
- - ROA 0.27% below tier average
- - Share Certificate Concentration (%): Bottom 1.7% in tier
- - Indirect Auto Concentration (%): Bottom 2.1% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 21 that size in Louisiana.
- Shares and deposits +3.6% year over year ($399M in shares and deposits).
- Membership: 34,698 members, +1.2% vs a year ago.
- Delinquency rate 0.36%.
- Return on assets 0.60%.
- Efficiency ratio 72.51% vs a 76.73% peer average.
- Loan-to-share ratio 100.48% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
34,698
+1.2% YoY-0.2% QoQ
|
+19.5K |
15,168
-2.6% YoY
|
9,550
+2.7% YoY
|
34,678
+6.6% YoY
|
Top 3.6% in tier |
| Assets |
$457.7M
+2.8% YoY+0.3% QoQ
|
+$225.7M |
$232.0M
+0.7% YoY
|
$130.2M
+7.1% YoY
|
$593.1M
+10.2% YoY
|
Top 4.2% in tier |
| Loans |
$401.2M
+1.2% YoY-0.1% QoQ
|
+$254.9M |
$146.3M
+0.2% YoY
|
$92.6M
+7.3% YoY
|
$418.6M
+10.1% YoY
|
Top 0.1% in tier |
| Deposits |
$399.2M
+3.6% YoY+0.3% QoQ
|
+$198.5M |
$200.7M
+0.2% YoY
|
$111.6M
+7.6% YoY
|
$504.8M
+10.3% YoY
|
Top 3.9% in tier |
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| ROA |
0.6%
+35.2% YoY-36.3% QoQ
|
-0.3% |
0.9%
+12.5% YoY
|
1.1%
+258.0% YoY
|
1.2%
+121.4% YoY
|
36% |
| NIM |
3.2%
+5.0% YoY+1.1% QoQ
|
-0.5% |
3.7%
+4.5% YoY
|
4.2%
-0.2% YoY
|
3.8%
+2.3% YoY
|
20% |
| Efficiency Ratio |
72.5%
-0.0% YoY+8.8% QoQ
|
-4.2% |
76.7%
-0.8% YoY
|
89.3%
+0.7% YoY
|
83.0%
-5.3% YoY
|
34% |
| Delinquency Rate |
0.4%
-14.6% YoY+13.1% QoQ
|
-0.5 |
0.9%
+6.6% YoY
|
2.0%
+21.9% YoY
|
1.3%
+2.6% YoY
|
24% |
| Loan To Share |
100.5%
-2.3% YoY-0.4% QoQ
|
+28.9% |
71.5%
-0.3% YoY
|
68.1%
-2.7% YoY
|
66.4%
-1.4% YoY
|
Top 2.3% in tier |
| AMR |
$23,067
+1.2% YoY+0.3% QoQ
|
$-2K |
$25,107
+3.2% YoY
|
$13,536
+2.7% YoY
|
$20,028
-0.9% YoY
|
50% |
| CD Concentration |
50.1%
-4.4% YoY-0.3% QoQ
|
+25.6% | 24.6% | 15.1% | 20.0% | 50% |
| Indirect Auto % |
60.7%
+0.3% YoY-1.4% QoQ
|
+47.1% | 13.6% | 5.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)