BlastPoint's Credit Union Scorecard

BEAUREGARD SCHOOL EMPLOYEES

Charter #17861 · LA

<100M

2508 CUs in <100M nationally 107 in LA

BEAUREGARD SCHOOL EMPLOYEES has 2 strengths but faces 1 concern

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 0.68% above tier average
+ Efficiency Ratio: Top 7.6% in tier

Key Concerns

Areas that may need attention

- Net Interest Margin (NIM): Bottom 3.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Members	2,137 -0.2% YoY-0.2% QoQ	-539	2,676 +1.6% YoY	9,512 +2.6% YoY	33,913 +5.7% YoY	55%
Assets	$30.6M +5.4% YoY+1.3% QoQ	+$397K	$30.2M +1.3% YoY	$128.1M +5.9% YoY	$578.3M +9.0% YoY	60%
Loans	$17.8M -4.1% YoY-3.1% QoQ	+$2.6M	$15.3M -2.0% YoY	$89.6M +5.7% YoY	$402.4M +8.7% YoY	67%
Deposits	$26.7M +5.3% YoY+1.5% QoQ	+$870K	$25.8M +0.7% YoY	$109.6M +6.0% YoY	$494.3M +9.1% YoY	61%

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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	0.8% +290.4% YoY+48.9% QoQ	+0.7%	0.1% -77.6% YoY	0.1% -79.1% YoY	0.4% -39.2% YoY	61%
NIM	1.9% +49.2% YoY+14.3% QoQ	-2.1%	4.0% +4.0% YoY	4.2% -0.4% YoY	3.8% +4.1% YoY	Bottom 3.2% in tier
Efficiency Ratio	55.2% -31.0% YoY-16.3% QoQ	-35.5%	90.6% +6.5% YoY	88.0% +2.9% YoY	84.6% +2.8% YoY	Top 7.6% in tier
Delinquency Rate	0.3% +2.8% YoY-38.4% QoQ	-1.2	1.5% +3.8% YoY	1.7% -21.7% YoY	1.2% +3.4% YoY	35%
Loan To Share	67.0% -9.0% YoY-4.6% QoQ	+8.4%	58.5% -3.0% YoY	68.2% -2.4% YoY	65.6% -1.4% YoY	63%
AMR	$20,823 +1.5% YoY-0.2% QoQ	+$6K	$14,884 -1.7% YoY	$13,483 +2.5% YoY	$19,920 +1.6% YoY	81%
CD Concentration	0.0%	-24.3%	24.3%	14.9%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	5.1%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

Share Certificate Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 12.45%

#1 of 2508 Top 0.1% in <100M tier

192

Efficiency Ratio

profitability

Value: 55.17%

Peer Median: 81.45%

#192 of 2508 Top 7.6% in <100M tier

383

Loan-to-Member Ratio (LMR)

engagement

Value: $8,350

Peer Median: $4,923

#383 of 2508 Top 15.2% in <100M tier

476

Average Member Relationship (AMR)

engagement

Value: $20,823

Peer Median: $13,926

#476 of 2508 Top 18.9% in <100M tier

560

Asset Growth Rate

growth

Value: 5.35%

Peer Median: 1.30%

#560 of 2508 Top 22.3% in <100M tier

565

Deposit Growth Rate

growth

Value: 5.30%

Peer Median: 0.66%

#565 of 2508 Top 22.5% in <100M tier

610

Members Per Employee (MPE)

engagement

Value: 427.400

Peer Median: 333.750

#610 of 2508 Top 24.3% in <100M tier

Top Weaknesses (2 metrics)

2427

Net Interest Margin (NIM)

profitability

Value: 1.91%

Peer Median: 3.83%

#2427 of 2508 Bottom 3.3% in <100M tier

1990

Fee Income Per Member

profitability

Value: $10.95

Peer Median: $60.42

#1990 of 2508 Bottom 20.7% in <100M tier