BlastPoint's Credit Union Scorecard
T E A
Charter #18462 · LA
T E A has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.39% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.88% below tier average
- - Efficiency ratio 21.82% above tier (higher cost structure)
- - Delinquency rate 0.08% above tier average
- - Net Worth Ratio: Bottom 5.2% in tier
- - Average Member Relationship (AMR): Bottom 6.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
939
+0.6% YoY-0.2% QoQ
|
-1.7K |
2,676
+1.6% YoY
|
9,512
+2.6% YoY
|
33,913
+5.7% YoY
|
27% |
| Assets |
$2.5M
-4.6% YoY-0.7% QoQ
|
$-27.7M |
$30.2M
+1.3% YoY
|
$128.1M
+5.9% YoY
|
$578.3M
+9.0% YoY
|
Bottom 11.0% in tier |
| Loans |
$1.4M
-10.4% YoY-0.4% QoQ
|
$-13.8M |
$15.3M
-2.0% YoY
|
$89.6M
+5.7% YoY
|
$402.4M
+8.7% YoY
|
Bottom 14.4% in tier |
| Deposits |
$2.3M
-3.9% YoY-0.6% QoQ
|
$-23.5M |
$25.8M
+0.7% YoY
|
$109.6M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 12.3% in tier |
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| ROA |
-0.7%
-110.4% YoY-185.1% QoQ
|
-0.9% |
0.1%
-77.6% YoY
|
0.1%
-79.1% YoY
|
0.4%
-39.2% YoY
|
Bottom 10.4% in tier |
| NIM |
5.4%
-1.2% YoY-3.7% QoQ
|
+1.4% |
4.0%
+4.0% YoY
|
4.2%
-0.4% YoY
|
3.8%
+4.1% YoY
|
Top 7.0% in tier |
| Efficiency Ratio |
112.5%
+174.7% YoY+48.7% QoQ
|
+21.8% |
90.6%
+6.5% YoY
|
88.0%
+2.9% YoY
|
84.6%
+2.8% YoY
|
Bottom 8.6% in tier |
| Delinquency Rate |
1.6%
-7.4% YoY+646.2% QoQ
|
+0.1 |
1.5%
+3.8% YoY
|
1.7%
-21.7% YoY
|
1.2%
+3.4% YoY
|
76% |
| Loan To Share |
64.1%
-6.7% YoY+0.2% QoQ
|
+5.6% |
58.5%
-3.0% YoY
|
68.2%
-2.4% YoY
|
65.6%
-1.4% YoY
|
58% |
| AMR |
$3,937
-7.2% YoY-0.3% QoQ
|
$-11K |
$14,884
-1.7% YoY
|
$13,483
+2.5% YoY
|
$19,920
+1.6% YoY
|
Bottom 6.1% in tier |
| CD Concentration |
14.0%
-19.9% YoY-21.3% QoQ
|
-10.2% | 24.3% | 14.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.1% | 7.7% | 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)