BlastPoint's Credit Union Scorecard
ARABI SUGAR WORKERS
Charter #19985 · LA
2556 CUs in <100M nationally
109 in LA
ARABI SUGAR WORKERS has 9 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.03% above tier average
- + Net Interest Margin 1.95% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 0.7% in tier
- + Net Charge-Off Rate: Top 1.4% in tier
- + Net Worth Ratio: Top 2.3% in tier
- + Deposit Growth Rate: Top 7.2% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 7.04% above tier (higher cost structure)
- - Delinquency rate 7.82% above tier average
- - Member decline: -4.5% YoY
- - Total Delinquency Rate (60+ days): Bottom 2.5% in tier
- - Total Members: Bottom 7.0% in tier
- - Total Deposits: Bottom 7.8% in tier
- - Members Per Employee (MPE): Bottom 9.1% in tier
- - Total Assets: Bottom 9.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
277
-4.5% YoY0% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
Bottom 7.0% in tier |
| Assets |
$2.0M
+7.4% YoY+2.3% QoQ
|
$-28.2M |
$30.1M
+2.1% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
Bottom 9.4% in tier |
| Loans |
$1.4M
-5.5% YoY+4.7% QoQ
|
$-14.3M |
$15.8M
-1.3% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 14.1% in tier |
| Deposits |
$1.2M
+11.8% YoY+3.5% QoQ
|
$-24.5M |
$25.7M
+1.4% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 7.7% in tier |
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| ROA |
0.7%
+2479.6% YoY+18.8% QoQ
|
+0.0% |
0.6%
+10.8% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
48% |
| NIM |
5.9%
+0.4% YoY-3.4% QoQ
|
+2.0% |
4.0%
+4.0% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
Top 4.3% in tier |
| Efficiency Ratio |
89.6%
+12.9% YoY-1.9% QoQ
|
+7.0% |
82.6%
-2.3% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
74% |
| Delinquency Rate |
9.4%
+19.3% YoY+32.9% QoQ
|
+7.8 |
1.6%
-3.1% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
Top 2.5% in tier |
| Loan To Share |
120.9%
-15.4% YoY+1.2% QoQ
|
+60.3% |
60.6%
-3.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
Top 0.8% in tier |
| AMR |
$9,413
+6.4% YoY+4.1% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
25% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 15.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.0% | 7.8% | 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 (10 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
18
Loan-to-Share Ratio
balance_sheet
Value:
120.90%
Peer Median: -
#18 of 2556
Top 0.7% in <100M tier
38
Net Charge-Off Rate
risk
Value:
-0.37%
Peer Median: -
#38 of 2556
Top 1.4% in <100M tier
59
Net Worth Ratio
risk
Value:
39.83%
Peer Median: -
#59 of 2556
Top 2.3% in <100M tier
111
Net Interest Margin (NIM)
profitability
Value:
5.90%
Peer Median: -
#111 of 2556
Top 4.3% in <100M tier
184
Deposit Growth Rate
growth
Value:
11.77%
Peer Median: -
#184 of 2556
Top 7.2% in <100M tier
389
Asset Growth Rate
growth
Value:
7.43%
Peer Median: -
#389 of 2556
Top 15.2% in <100M tier
529
AMR Growth Rate
growth
Value:
6.39%
Peer Median: -
#529 of 2556
Top 20.7% in <100M tier
Top Weaknesses (7 metrics)
2493
Total Delinquency Rate (60+ days)
risk
Value:
9.37%
Peer Median: -
#2493 of 2556
Bottom 2.5% in <100M tier
2377
Total Members
engagement
Value:
277
Peer Median: -
#2377 of 2556
Bottom 7.0% in <100M tier
2358
Total Deposits
balance_sheet
Value:
$1.18M
Peer Median: -
#2358 of 2556
Bottom 7.8% in <100M tier
2324
Members Per Employee (MPE)
engagement
Value:
138.500
Peer Median: -
#2324 of 2556
Bottom 9.1% in <100M tier
2316
Total Assets
balance_sheet
Value:
$1.97M
Peer Median: -
#2316 of 2556
Bottom 9.4% in <100M tier
2195
Total Loans
balance_sheet
Value:
$1.43M
Peer Median: -
#2195 of 2556
Bottom 14.2% in <100M tier
2060
Member Growth Rate
growth
Value:
-4.48%
Peer Median: -
#2060 of 2556
Bottom 19.4% in <100M tier