BlastPoint's Credit Union Scorecard
LIVINGSTON PARISH
Charter #19295 · LA
LIVINGSTON PARISH has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Charge-Off Rate: Top 4.2% in tier
Key Concerns
Areas that may need attention
- - ROA 1.29% below tier average
- - Efficiency ratio 6.09% above tier (higher cost structure)
- - Delinquency rate 3.35% above tier average
- - Total Delinquency Rate (60+ days): Bottom 6.5% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 107 that size in Louisiana.
- Shares and deposits +4.7% year over year ($9.3M in shares and deposits).
- Membership: 1,736 members, -0.6% vs a year ago.
- Delinquency rate 4.89%.
- Return on assets 0.20%.
- Efficiency ratio 94.85% vs a 88.77% peer average.
- Loan-to-share ratio 48.26% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,736
-0.6% YoY+0.1% QoQ
|
-849 |
2,585
-1.7% YoY
|
9,550
+2.7% YoY
|
34,678
+6.6% YoY
|
46% |
| Assets |
$11.9M
+3.8% YoY+3.3% QoQ
|
$-18.4M |
$30.3M
+1.5% YoY
|
$130.2M
+7.1% YoY
|
$593.1M
+10.2% YoY
|
35% |
| Loans |
$4.5M
-10.2% YoY-1.8% QoQ
|
$-10.9M |
$15.5M
-1.7% YoY
|
$92.6M
+7.3% YoY
|
$418.6M
+10.1% YoY
|
32% |
| Deposits |
$9.3M
+4.7% YoY+3.9% QoQ
|
$-16.5M |
$25.8M
+1.1% YoY
|
$111.6M
+7.6% YoY
|
$504.8M
+10.3% YoY
|
34% |
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| ROA |
0.2%
-58.5% YoY-8.5% QoQ
|
-1.3% |
1.5%
+241.5% YoY
|
1.1%
+258.0% YoY
|
1.2%
+121.4% YoY
|
Bottom 12.7% in tier |
| NIM |
3.5%
-7.2% YoY+0.4% QoQ
|
-0.4% |
3.9%
+0.9% YoY
|
4.2%
-0.2% YoY
|
3.8%
+2.3% YoY
|
33% |
| Efficiency Ratio |
94.9%
+7.7% YoY+0.7% QoQ
|
+6.1% |
88.8%
-6.9% YoY
|
89.3%
+0.7% YoY
|
83.0%
-5.3% YoY
|
80% |
| Delinquency Rate |
4.9%
+2.0% YoY-6.0% QoQ
|
+3.3 |
1.5%
+2.1% YoY
|
2.0%
+21.9% YoY
|
1.3%
+2.6% YoY
|
Bottom 6.5% in tier |
| Loan To Share |
48.3%
-14.3% YoY-5.5% QoQ
|
-10.6% |
58.9%
-3.1% YoY
|
68.1%
-2.7% YoY
|
66.4%
-1.4% YoY
|
33% |
| AMR |
$7,981
-0.1% YoY+1.9% QoQ
|
$-7K |
$14,963
-6.8% YoY
|
$13,536
+2.7% YoY
|
$20,028
-0.9% YoY
|
19% |
| CD Concentration |
33.6%
+31.4% YoY+6.0% QoQ
|
+9.0% | 24.6% | 15.1% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 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)