BlastPoint's Credit Union Scorecard
LIVINGSTON PARISH
Charter #19295 · LA
LIVINGSTON PARISH has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 8.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.43% below tier average
- - Efficiency ratio 6.04% above tier (higher cost structure)
- - Delinquency rate 2.10% above tier average
- - Total Delinquency Rate (60+ days): Bottom 9.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,736
-0.5% YoY-0.2% QoQ
|
-879 |
2,615
-1.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
45% |
| Assets |
$11.6M
+3.1% YoY+1.5% QoQ
|
$-18.5M |
$30.1M
+2.1% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
35% |
| Loans |
$4.7M
-4.7% YoY-3.8% QoQ
|
$-11.1M |
$15.8M
-1.3% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
32% |
| Deposits |
$9.1M
+2.9% YoY+1.6% QoQ
|
$-16.6M |
$25.7M
+1.4% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
34% |
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| ROA |
0.2%
-74.1% YoY+222.1% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
25% |
| NIM |
3.7%
-14.2% YoY+0.4% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
43% |
| Efficiency Ratio |
88.6%
+6.7% YoY-0.2% QoQ
|
+6.0% |
82.6%
-2.3% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
72% |
| Delinquency Rate |
3.7%
+100.7% YoY-32.0% QoQ
|
+2.1 |
1.6%
-3.1% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
Top 9.8% in tier |
| Loan To Share |
51.4%
-7.4% YoY-5.3% QoQ
|
-9.2% |
60.6%
-3.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
36% |
| AMR |
$7,928
+0.7% YoY-0.1% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
19% |
| CD Concentration |
32.6%
+78.7% YoY+19.2% QoQ
|
+8.2% | 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)