BlastPoint's Credit Union Scorecard
CONCORDIA PARISH SCHOOL EMP
Charter #17396 · LA
CONCORDIA PARISH SCHOOL EMP has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.15% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.38% below tier average
- - Efficiency ratio 7.76% above tier (higher cost structure)
- - Delinquency rate 0.39% above tier average
- - Net Charge-Off Rate: Bottom 3.8% in tier
- - Average Member Relationship (AMR): Bottom 5.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,369
0% YoY0% QoQ
|
-1.2K |
2,615
-1.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
37% |
| Assets |
$3.1M
-2.1% YoY-0.0% QoQ
|
$-27.0M |
$30.1M
+2.1% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
Bottom 13.4% in tier |
| Loans |
$2.0M
-5.2% YoY-5.5% QoQ
|
$-13.8M |
$15.8M
-1.3% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
17% |
| Deposits |
$2.8M
-2.4% YoY+0.4% QoQ
|
$-22.9M |
$25.7M
+1.4% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 14.7% in tier |
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| ROA |
0.2%
+8.6% YoY-63.3% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
27% |
| NIM |
6.1%
-0.5% YoY+0.9% QoQ
|
+2.1% |
4.0%
+4.0% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
Top 3.4% in tier |
| Efficiency Ratio |
90.3%
+18.0% YoY+11.3% QoQ
|
+7.8% |
82.6%
-2.3% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
76% |
| Delinquency Rate |
1.9%
-78.3% YoY-13.8% QoQ
|
+0.4 |
1.6%
-3.1% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
78% |
| Loan To Share |
71.6%
-2.9% YoY-5.9% QoQ
|
+11.0% |
60.6%
-3.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
66% |
| AMR |
$3,480
-3.6% YoY-2.2% QoQ
|
$-11K |
$14,783
-1.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
Bottom 5.1% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 15.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.0% | 7.8% | 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)