BlastPoint's Credit Union Scorecard
ARABI SUGAR WORKERS
Charter #19985 · LA
<100M
2508 CUs in <100M nationally
107 in LA
ARABI SUGAR WORKERS has 4 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.11% above tier average
- + Net Interest Margin 1.50% above tier average
- + Loan-to-Share Ratio: Top 0.8% in tier
- + Net Worth Ratio: Top 2.2% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 4.87% above tier (higher cost structure)
- - Delinquency rate 8.98% above tier average
- - Member decline: -6.3% YoY
- - Total Delinquency Rate (60+ days): Bottom 2.2% in tier
- - Total Members: Bottom 7.0% in tier
- - Total Deposits: Bottom 7.8% in tier
- - Total Assets: Bottom 9.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
269
-6.3% YoY-2.9% QoQ
|
-2.4K |
2,676
+1.6% YoY
|
9,512
+2.6% YoY
|
33,913
+5.7% YoY
|
Bottom 7.0% in tier |
| Assets |
$2.0M
+5.1% YoY+0.4% QoQ
|
$-28.2M |
$30.2M
+1.3% YoY
|
$128.1M
+5.9% YoY
|
$578.3M
+9.0% YoY
|
Bottom 9.3% in tier |
| Loans |
$1.4M
-10.2% YoY-4.7% QoQ
|
$-13.9M |
$15.3M
-2.0% YoY
|
$89.6M
+5.7% YoY
|
$402.4M
+8.7% YoY
|
Bottom 14.0% in tier |
| Deposits |
$1.2M
+7.3% YoY+0.5% QoQ
|
$-24.6M |
$25.8M
+0.7% YoY
|
$109.6M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 7.7% in tier |
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| ROA |
0.3%
+136.2% YoY-61.1% QoQ
|
+0.1% |
0.1%
-77.6% YoY
|
0.1%
-79.1% YoY
|
0.4%
-39.2% YoY
|
33% |
| NIM |
5.5%
-17.1% YoY-6.8% QoQ
|
+1.5% |
4.0%
+4.0% YoY
|
4.2%
-0.4% YoY
|
3.8%
+4.1% YoY
|
Top 6.3% in tier |
| Efficiency Ratio |
95.5%
-3.0% YoY+6.6% QoQ
|
+4.9% |
90.6%
+6.5% YoY
|
88.0%
+2.9% YoY
|
84.6%
+2.8% YoY
|
79% |
| Delinquency Rate |
10.5%
+79.9% YoY+11.8% QoQ
|
+9.0 |
1.5%
+3.8% YoY
|
1.7%
-21.7% YoY
|
1.2%
+3.4% YoY
|
Bottom 2.2% in tier |
| Loan To Share |
114.7%
-16.3% YoY-5.1% QoQ
|
+56.2% |
58.5%
-3.0% YoY
|
68.2%
-2.4% YoY
|
65.6%
-1.4% YoY
|
Top 0.9% in tier |
| AMR |
$9,464
+3.7% YoY+0.5% QoQ
|
$-5K |
$14,884
-1.7% YoY
|
$13,483
+2.5% YoY
|
$19,920
+1.6% YoY
|
25% |
| CD Concentration | 0.0% | -24.3% | 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)
Top Strengths (9 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
21
Loan-to-Share Ratio
balance_sheet
Value:
114.72%
Peer Median: 58.72%
#21 of 2508
Top 0.8% in <100M tier
56
Net Worth Ratio
risk
Value:
39.74%
Peer Median: 14.28%
#56 of 2508
Top 2.2% in <100M tier
159
Net Interest Margin (NIM)
profitability
Value:
5.51%
Peer Median: 3.83%
#159 of 2508
Top 6.3% in <100M tier
366
Deposit Growth Rate
growth
Value:
7.34%
Peer Median: 0.66%
#366 of 2508
Top 14.6% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
598
Asset Growth Rate
growth
Value:
5.06%
Peer Median: 1.30%
#598 of 2508
Top 23.8% in <100M tier
Top Weaknesses (9 metrics)
2453
Total Delinquency Rate (60+ days)
risk
Value:
10.48%
Peer Median: 0.65%
#2453 of 2508
Bottom 2.2% in <100M tier
2333
Total Members
engagement
Value:
269
Peer Median: 1,918
#2333 of 2508
Bottom 7.0% in <100M tier
2314
Total Deposits
balance_sheet
Value:
$1.19M
Peer Median: $18.77M
#2314 of 2508
Bottom 7.8% in <100M tier
2274
Total Assets
balance_sheet
Value:
$1.98M
Peer Median: $21.86M
#2274 of 2508
Bottom 9.4% in <100M tier
2199
Member Growth Rate
growth
Value:
-6.27%
Peer Median: -1.37%
#2199 of 2508
Bottom 12.4% in <100M tier
2158
Total Loans
balance_sheet
Value:
$1.36M
Peer Median: $9.48M
#2158 of 2508
Bottom 14.0% in <100M tier
2027
Fee Income Per Member
profitability
Value:
$9.77
Peer Median: $60.42
#2027 of 2508
Bottom 19.2% in <100M tier
1978
Efficiency Ratio
profitability
Value:
95.50%
Peer Median: 81.45%
#1978 of 2508
Bottom 21.2% in <100M tier
1961
Loan Growth Rate
growth
Value:
-10.17%
Peer Median: -2.36%
#1961 of 2508
Bottom 21.9% in <100M tier