BlastPoint's Credit Union Scorecard
LA TERRE
Charter #20002 · LA
LA TERRE has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.18% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.97% below tier average
- - Efficiency ratio 16.41% above tier (higher cost structure)
- - Delinquency rate 0.14% above tier average
- - Member decline: -3.2% YoY
- - Net Worth Ratio: Bottom 1.4% in tier
- - Indirect Auto Concentration (%): Bottom 2.3% 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 +0.5% year over year ($23.8M in shares and deposits).
- Membership: 4,839 members, -3.2% vs a year ago.
- Delinquency rate 1.68%.
- Return on assets 0.52%.
- Efficiency ratio 105.17% vs a 88.77% peer average.
- Loan-to-share ratio 87.52% 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 |
4,839
-3.2% YoY-1.7% QoQ
|
+2.3K |
2,585
-1.7% YoY
|
9,550
+2.7% YoY
|
34,678
+6.6% YoY
|
Top 14.5% in tier |
| Assets |
$25.4M
-0.2% YoY-0.1% QoQ
|
$-4.9M |
$30.3M
+1.5% YoY
|
$130.2M
+7.1% YoY
|
$593.1M
+10.2% YoY
|
54% |
| Loans |
$20.8M
-7.2% YoY-4.5% QoQ
|
+$5.4M |
$15.5M
-1.7% YoY
|
$92.6M
+7.3% YoY
|
$418.6M
+10.1% YoY
|
72% |
| Deposits |
$23.8M
+0.5% YoY+0.2% QoQ
|
$-2.0M |
$25.8M
+1.1% YoY
|
$111.6M
+7.6% YoY
|
$504.8M
+10.3% YoY
|
57% |
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| ROA |
0.5%
-33.7% YoY-257.5% QoQ
|
-1.0% |
1.5%
+241.5% YoY
|
1.1%
+258.0% YoY
|
1.2%
+121.4% YoY
|
32% |
| NIM |
5.1%
-6.6% YoY+0.2% QoQ
|
+1.2% |
3.9%
+0.9% YoY
|
4.2%
-0.2% YoY
|
3.8%
+2.3% YoY
|
Top 10.8% in tier |
| Efficiency Ratio |
105.2%
+18.9% YoY-0.5% QoQ
|
+16.4% |
88.8%
-6.9% YoY
|
89.3%
+0.7% YoY
|
83.0%
-5.3% YoY
|
Bottom 10.4% in tier |
| Delinquency Rate |
1.7%
+279.9% YoY+67.5% QoQ
|
+0.1 |
1.5%
+2.1% YoY
|
2.0%
+21.9% YoY
|
1.3%
+2.6% YoY
|
74% |
| Loan To Share |
87.5%
-7.7% YoY-4.7% QoQ
|
+28.6% |
58.9%
-3.1% YoY
|
68.1%
-2.7% YoY
|
66.4%
-1.4% YoY
|
Top 11.3% in tier |
| AMR |
$9,217
-0.0% YoY-0.4% QoQ
|
$-6K |
$14,963
-6.8% YoY
|
$13,536
+2.7% YoY
|
$20,028
-0.9% YoY
|
24% |
| CD Concentration |
8.6%
+12.7% YoY+13.7% QoQ
|
-16.0% | 24.6% | 15.1% | 20.0% | 50% |
| Indirect Auto % |
42.9%
+3.4% YoY+1.4% QoQ
|
+29.3% | 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)