BlastPoint's Credit Union Scorecard
ARABI SUGAR WORKERS
Charter #19985 · LA
ARABI SUGAR WORKERS has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.46% above tier average
- + Net Worth Ratio: Top 2.5% in tier
- + Loan-to-Share Ratio: Top 3.3% in tier
- + Deposit Growth Rate: Top 5.4% in tier
- + AMR Growth Rate: Top 8.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.12% below tier average
- - Efficiency ratio 4.49% above tier (higher cost structure)
- - Delinquency rate 10.54% above tier average
- - Member decline: -10.6% YoY
- - Total Delinquency Rate (60+ days): Bottom 1.8% in tier
- - Member Growth Rate: Bottom 5.5% in tier
- - Total Members: Bottom 6.4% in tier
- - Members Per Employee (MPE): Bottom 7.8% 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 +12.4% year over year ($1.2M in shares and deposits).
- Membership: 252 members, -10.6% vs a year ago.
- Delinquency rate 12.08%.
- Return on assets 0.37%.
- Efficiency ratio 93.26% vs a 88.77% peer average.
- Loan-to-share ratio 99.44% 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 |
252
-10.6% YoY-6.3% QoQ
|
-2.3K |
2,585
-1.7% YoY
|
9,550
+2.7% YoY
|
34,678
+6.6% YoY
|
Bottom 6.3% in tier |
| Assets |
$2.0M
+7.8% YoY+3.3% QoQ
|
$-28.2M |
$30.3M
+1.5% YoY
|
$130.2M
+7.1% YoY
|
$593.1M
+10.2% YoY
|
Bottom 9.4% in tier |
| Loans |
$1.2M
-11.0% YoY-8.6% QoQ
|
$-14.2M |
$15.5M
-1.7% YoY
|
$92.6M
+7.3% YoY
|
$418.6M
+10.1% YoY
|
Bottom 13.1% in tier |
| Deposits |
$1.2M
+12.4% YoY+5.4% QoQ
|
$-24.6M |
$25.8M
+1.1% YoY
|
$111.6M
+7.6% YoY
|
$504.8M
+10.3% YoY
|
Bottom 7.9% in tier |
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| ROA |
0.4%
-35.9% YoY+46.0% QoQ
|
-1.1% |
1.5%
+241.5% YoY
|
1.1%
+258.0% YoY
|
1.2%
+121.4% YoY
|
23% |
| NIM |
5.4%
-16.9% YoY-2.6% QoQ
|
+1.5% |
3.9%
+0.9% YoY
|
4.2%
-0.2% YoY
|
3.8%
+2.3% YoY
|
Top 7.3% in tier |
| Efficiency Ratio |
93.3%
+2.1% YoY-2.3% QoQ
|
+4.5% |
88.8%
-6.9% YoY
|
89.3%
+0.7% YoY
|
83.0%
-5.3% YoY
|
78% |
| Delinquency Rate |
12.1%
+114.4% YoY+15.3% QoQ
|
+10.5 |
1.5%
+2.1% YoY
|
2.0%
+21.9% YoY
|
1.3%
+2.6% YoY
|
Bottom 1.8% in tier |
| Loan To Share |
99.4%
-20.8% YoY-13.3% QoQ
|
+40.6% |
58.9%
-3.1% YoY
|
68.1%
-2.7% YoY
|
66.4%
-1.4% YoY
|
Top 3.4% in tier |
| AMR |
$9,890
+11.2% YoY+4.5% QoQ
|
$-5K |
$14,963
-6.8% YoY
|
$13,536
+2.7% YoY
|
$20,028
-0.9% YoY
|
28% |
| CD Concentration | 0.0% | -24.6% | 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)