BlastPoint's Credit Union Scorecard
GP LOUISIANA
Charter #19320 · LA
GP LOUISIANA has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.85% above tier average
- + Net Interest Margin 0.27% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 6.8% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.8% YoY
- - Asset Growth Rate: Bottom 8.2% in tier
- - Share Certificate Concentration (%): Bottom 8.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,097
-3.8% YoY-0.5% QoQ
|
+2.5K |
2,625
-2.2% YoY
|
9,352
+2.6% YoY
|
33,089
+6.1% YoY
|
Top 13.4% in tier |
| Assets |
$65.4M
-7.6% YoY-1.6% QoQ
|
+$35.5M |
$29.9M
+1.1% YoY
|
$121.4M
+4.9% YoY
|
$547.7M
+7.8% YoY
|
Top 14.2% in tier |
| Loans |
$39.3M
-3.6% YoY+0.8% QoQ
|
+$23.5M |
$15.8M
-2.4% YoY
|
$86.9M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
Top 10.9% in tier |
| Deposits |
$54.4M
-5.5% YoY-2.2% QoQ
|
+$29.0M |
$25.5M
+0.4% YoY
|
$103.9M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
85% |
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| ROA |
1.5%
+107.9% YoY-7.2% QoQ
|
+0.8% |
0.7%
-731.4% YoY
|
0.5%
+1.1% YoY
|
0.7%
+273.4% YoY
|
80% |
| NIM |
4.2%
+32.1% YoY+1.4% QoQ
|
+0.3% |
3.9%
+3.8% YoY
|
4.3%
+3.2% YoY
|
3.7%
+5.0% YoY
|
63% |
| Efficiency Ratio |
69.4%
-8.1% YoY-0.4% QoQ
|
-12.0% |
81.4%
-2.4% YoY
|
82.9%
-3.6% YoY
|
79.1%
-3.3% YoY
|
30% |
| Delinquency Rate |
0.6%
-43.9% YoY-28.7% QoQ
|
-0.9 |
1.5%
-2.0% YoY
|
1.8%
-12.2% YoY
|
1.2%
-0.9% YoY
|
49% |
| Loan To Share |
72.1%
+2.1% YoY+3.0% QoQ
|
+10.9% |
61.2%
-3.0% YoY
|
70.9%
-2.6% YoY
|
68.0%
-1.7% YoY
|
66% |
| AMR |
$18,381
-0.9% YoY-0.5% QoQ
|
+$4K |
$14,627
-2.7% YoY
|
$13,297
+2.9% YoY
|
$19,418
+1.3% YoY
|
73% |
| CD Concentration |
38.5%
-0.2% YoY+1.6% QoQ
|
+14.1% |
24.4%
+4.2% YoY
|
15.0%
+9.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.3%
+10.6% YoY
|
7.9%
-2.9% YoY
|
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)