BlastPoint's Credit Union Scorecard
LA PORTE COMMUNITY
Charter #2051 · IN
LA PORTE COMMUNITY has 7 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.85% above tier average
- + Net Interest Margin 0.94% above tier average
- + Total Loans: Top 1.8% in tier
- + Total Members: Top 2.8% in tier
- + Loan Growth Rate: Top 4.7% in tier
- + Loan-to-Share Ratio: Top 5.2% in tier
- + Member Growth Rate: Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Concentration (%): Bottom 5.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,473
+4.2% YoY+1.2% QoQ
|
+5.8K |
2,625
-2.2% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
Top 2.8% in tier |
| Assets |
$72.0M
+3.3% YoY+0.7% QoQ
|
+$42.1M |
$29.9M
+1.1% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
Top 11.5% in tier |
| Loans |
$60.9M
+16.6% YoY+4.4% QoQ
|
+$45.1M |
$15.8M
-2.4% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
Top 1.9% in tier |
| Deposits |
$62.1M
+1.9% YoY+0.4% QoQ
|
+$36.6M |
$25.5M
+0.4% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
Top 10.9% in tier |
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| ROA |
1.5%
+45.4% YoY-2.6% QoQ
|
+0.8% |
0.7%
-731.4% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
80% |
| NIM |
4.9%
+13.6% YoY+3.2% QoQ
|
+0.9% |
3.9%
+3.8% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
83% |
| Efficiency Ratio |
72.6%
-6.2% YoY+1.9% QoQ
|
-8.8% |
81.4%
-2.4% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
36% |
| Delinquency Rate |
1.1%
-20.5% YoY-3.2% QoQ
|
-0.4 |
1.5%
-2.0% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
63% |
| Loan To Share |
98.1%
+14.4% YoY+4.0% QoQ
|
+36.8% |
61.2%
-3.0% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
Top 5.4% in tier |
| AMR |
$14,511
+4.3% YoY+1.1% QoQ
|
$-116 |
$14,627
-2.7% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
55% |
| CD Concentration |
15.7%
+10.5% YoY+8.7% QoQ
|
-8.7% |
24.4%
+4.2% YoY
|
19.0%
+9.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
22.5%
+9.6% YoY-0.6% QoQ
|
+8.5% |
14.0%
-5.7% YoY
|
11.0%
-3.5% YoY
|
7.9%
-2.9% YoY
|
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)