BlastPoint's Credit Union Scorecard

LIVINGSTON PARISH

Charter #19295 · LA

<100M

2508 CUs in <100M nationally 107 in LA

LIVINGSTON PARISH has 3 strengths but faces 3 concerns

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 0.07% above tier average
+ Net Charge-Off Rate: Top 3.0% in tier
+ Members Per Employee (MPE): Top 8.5% in tier

Key Concerns

Areas that may need attention

- Efficiency ratio 3.59% above tier (higher cost structure)
- Delinquency rate 3.70% above tier average
- Total Delinquency Rate (60+ days): Bottom 5.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Members	1,734 -0.4% YoY-0.1% QoQ	-942	2,676 +1.6% YoY	9,512 +2.6% YoY	33,913 +5.7% YoY	46%
Assets	$11.5M +0.7% YoY-0.9% QoQ	$-18.7M	$30.2M +1.3% YoY	$128.1M +5.9% YoY	$578.3M +9.0% YoY	35%
Loans	$4.6M -7.9% YoY-1.8% QoQ	$-10.7M	$15.3M -2.0% YoY	$89.6M +5.7% YoY	$402.4M +8.7% YoY	32%
Deposits	$9.0M +0.7% YoY-1.0% QoQ	$-16.8M	$25.8M +0.7% YoY	$109.6M +6.0% YoY	$494.3M +9.1% YoY	34%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.2% -60.8% YoY+15.3% QoQ	+0.1%	0.1% -77.6% YoY	0.1% -79.1% YoY	0.4% -39.2% YoY	31%
NIM	3.4% -10.6% YoY-7.6% QoQ	-0.6%	4.0% +4.0% YoY	4.2% -0.4% YoY	3.8% +4.1% YoY	33%
Efficiency Ratio	94.2% +8.9% YoY+6.3% QoQ	+3.6%	90.6% +6.5% YoY	88.0% +2.9% YoY	84.6% +2.8% YoY	76%
Delinquency Rate	5.2% +2.3% YoY+42.2% QoQ	+3.7	1.5% +3.8% YoY	1.7% -21.7% YoY	1.2% +3.4% YoY	Bottom 5.7% in tier
Loan To Share	51.0% -8.5% YoY-0.8% QoQ	-7.5%	58.5% -3.0% YoY	68.2% -2.4% YoY	65.6% -1.4% YoY	38%
AMR	$7,836 -2.0% YoY-1.2% QoQ	$-7K	$14,884 -1.7% YoY	$13,483 +2.5% YoY	$19,920 +1.6% YoY	18%
CD Concentration	31.7% +28.9% YoY-2.8% QoQ	+7.4%	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 (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

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

Net Charge-Off Rate

risk

Value: -0.52%

Peer Median: 0.07%

#77 of 2508 Top 3.0% in <100M tier

214

Members Per Employee (MPE)

engagement

Value: 578.000

Peer Median: 333.750

#214 of 2508 Top 8.5% in <100M tier

504

Net Worth Ratio

risk

Value: 20.60%

Peer Median: 14.28%

#504 of 2508 Top 20.1% in <100M tier

Top Weaknesses (5 metrics)

2365

Total Delinquency Rate (60+ days)

risk

Value: 5.20%

Peer Median: 0.65%

#2365 of 2508 Bottom 5.7% in <100M tier

2126

Share Certificate Concentration (%)

balance_sheet

Value: 31.70%

Peer Median: 12.45%

#2126 of 2508 Bottom 15.3% in <100M tier

2054

Average Member Relationship (AMR)

engagement

Value: $7,836

Peer Median: $13,926

#2054 of 2508 Bottom 18.1% in <100M tier

1993

Loan-to-Member Ratio (LMR)

engagement

Value: $2,648

Peer Median: $4,923

#1993 of 2508 Bottom 20.6% in <100M tier

1919

Efficiency Ratio

profitability

Value: 94.22%

Peer Median: 81.45%

#1919 of 2508 Bottom 23.5% in <100M tier