BlastPoint's Credit Union Scorecard
BEAUREGARD SCHOOL EMPLOYEES
Charter #17861 · LA
BEAUREGARD SCHOOL EMPLOYEES has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + 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 0.13% below tier average
- - Net Interest Margin (NIM): Bottom 2.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,146
+1.0% YoY-0.0% QoQ
|
-479 |
2,625
-2.2% YoY
|
9,352
+2.6% YoY
|
33,089
+6.1% YoY
|
54% |
| Assets |
$30.1M
+6.0% YoY+1.8% QoQ
|
+$273K |
$29.9M
+1.1% YoY
|
$121.4M
+4.9% YoY
|
$547.7M
+7.8% YoY
|
60% |
| Loans |
$18.8M
-0.7% YoY+1.0% QoQ
|
+$3.1M |
$15.8M
-2.4% YoY
|
$86.9M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
68% |
| Deposits |
$26.3M
+6.4% YoY+1.9% QoQ
|
+$846K |
$25.5M
+0.4% YoY
|
$103.9M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
61% |
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| ROA |
0.6%
+110.7% YoY+38.8% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.5%
+1.1% YoY
|
0.7%
+273.4% YoY
|
39% |
| NIM |
1.6%
+16.6% YoY+7.1% QoQ
|
-2.3% |
3.9%
+3.8% YoY
|
4.3%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Bottom 2.0% in tier |
| Efficiency Ratio |
64.5%
-15.9% YoY-9.6% QoQ
|
-16.8% |
81.4%
-2.4% YoY
|
82.9%
-3.6% YoY
|
79.1%
-3.3% YoY
|
21% |
| Delinquency Rate |
0.4%
-47.7% YoY+202.8% QoQ
|
-1.1 |
1.5%
-2.0% YoY
|
1.8%
-12.2% YoY
|
1.2%
-0.9% YoY
|
39% |
| Loan To Share |
71.6%
-6.7% YoY-0.9% QoQ
|
+10.4% |
61.2%
-3.0% YoY
|
70.9%
-2.6% YoY
|
68.0%
-1.7% YoY
|
65% |
| AMR |
$21,035
+2.4% YoY+1.5% QoQ
|
+$6K |
$14,627
-2.7% YoY
|
$13,297
+2.9% YoY
|
$19,418
+1.3% YoY
|
83% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
15.0%
+9.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
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)