BlastPoint's Credit Union Scorecard
LA TERRE
Charter #20002 · LA
LA TERRE has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.50% above tier average
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 7.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.55% below tier average
- - Efficiency ratio 11.29% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 1.0% in tier
- - Indirect Auto Concentration (%): Bottom 2.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,965
-1.3% YoY-0.3% QoQ
|
+2.3K |
2,615
-1.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
Top 14.1% in tier |
| Assets |
$25.1M
-1.6% YoY-1.9% QoQ
|
$-5.1M |
$30.1M
+2.1% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
54% |
| Loans |
$22.1M
-2.0% YoY+0.3% QoQ
|
+$6.3M |
$15.8M
-1.3% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
73% |
| Deposits |
$23.5M
-1.9% YoY-1.6% QoQ
|
$-2.2M |
$25.7M
+1.4% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
57% |
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| ROA |
0.1%
-110.3% YoY-77.2% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
20% |
| NIM |
5.5%
-1.4% YoY+0.7% QoQ
|
+1.5% |
4.0%
+4.0% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
Top 7.7% in tier |
| Efficiency Ratio |
93.9%
-1.7% YoY+2.0% QoQ
|
+11.3% |
82.6%
-2.3% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
82% |
| Delinquency Rate |
1.0%
-30.5% YoY+73.6% QoQ
|
-0.6 |
1.6%
-3.1% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
60% |
| Loan To Share |
94.0%
-0.1% YoY+1.9% QoQ
|
+33.4% |
60.6%
-3.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
Top 7.5% in tier |
| AMR |
$9,179
-0.7% YoY-0.3% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
24% |
| CD Concentration |
9.2%
+38.5% YoY-6.9% QoQ
|
-15.2% | 24.4% | 15.2% | 19.8% | 50% |
| Indirect Auto % |
40.7%
+1.7% YoY+3.3% QoQ
|
+26.9% | 13.8% | 5.0% | 7.8% | 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)