BlastPoint's Credit Union Scorecard
LA TERRE
Charter #20002 · LA
LA TERRE has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.06% above tier average
- + Loan-to-Share Ratio: Top 6.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.48% below tier average
- - Efficiency ratio 15.03% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 1.2% in tier
- - Indirect Auto Concentration (%): Bottom 2.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,924
-1.8% YoY-0.8% QoQ
|
+2.2K |
2,676
+1.6% YoY
|
9,512
+2.6% YoY
|
33,913
+5.7% YoY
|
Top 13.8% in tier |
| Assets |
$25.4M
-0.1% YoY+1.4% QoQ
|
$-4.8M |
$30.2M
+1.3% YoY
|
$128.1M
+5.9% YoY
|
$578.3M
+9.0% YoY
|
54% |
| Loans |
$21.8M
-2.0% YoY-1.2% QoQ
|
+$6.5M |
$15.3M
-2.0% YoY
|
$89.6M
+5.7% YoY
|
$402.4M
+8.7% YoY
|
74% |
| Deposits |
$23.7M
+0.2% YoY+1.0% QoQ
|
$-2.0M |
$25.8M
+0.7% YoY
|
$109.6M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
57% |
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| ROA |
-0.3%
-124.1% YoY-542.5% QoQ
|
-0.5% |
0.1%
-77.6% YoY
|
0.1%
-79.1% YoY
|
0.4%
-39.2% YoY
|
15% |
| NIM |
5.1%
-6.6% YoY-7.1% QoQ
|
+1.1% |
4.0%
+4.0% YoY
|
4.2%
-0.4% YoY
|
3.8%
+4.1% YoY
|
Top 10.6% in tier |
| Efficiency Ratio |
105.7%
+29.8% YoY+12.6% QoQ
|
+15.0% |
90.6%
+6.5% YoY
|
88.0%
+2.9% YoY
|
84.6%
+2.8% YoY
|
Bottom 12.2% in tier |
| Delinquency Rate |
1.0%
-32.8% YoY+1.3% QoQ
|
-0.5 |
1.5%
+3.8% YoY
|
1.7%
-21.7% YoY
|
1.2%
+3.4% YoY
|
64% |
| Loan To Share |
91.9%
-2.2% YoY-2.2% QoQ
|
+33.4% |
58.5%
-3.0% YoY
|
68.2%
-2.4% YoY
|
65.6%
-1.4% YoY
|
Top 6.9% in tier |
| AMR |
$9,250
+1.0% YoY+0.8% QoQ
|
$-6K |
$14,884
-1.7% YoY
|
$13,483
+2.5% YoY
|
$19,920
+1.6% YoY
|
24% |
| CD Concentration |
7.6%
+2.1% YoY-17.7% QoQ
|
-16.7% | 24.3% | 14.9% | 19.8% | 50% |
| Indirect Auto % |
42.3%
+4.1% YoY+4.0% QoQ
|
+28.5% | 13.8% | 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)