BlastPoint's Credit Union Scorecard

SEWERAGE & WATER BOARD EMPLOYEES

Charter #2056 · LA

<100M

2508 CUs in <100M nationally 107 in LA

SEWERAGE & WATER BOARD EMPLOYEES has 1 strength but faces 5 concerns

National Analysis

How does the industry compare?

LA Analysis

How does LA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.83% above tier average

Key Concerns

Areas that may need attention

- Efficiency ratio 7.53% above tier (higher cost structure)
- Delinquency rate 0.22% above tier average
- Member decline: -4.7% YoY
- Net Worth Ratio: Bottom 4.1% in tier
- Loan Growth Rate: Bottom 5.4% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Members	1,456 -4.7% YoY-2.6% QoQ	-1.2K	2,676 +1.6% YoY	9,512 +2.6% YoY	33,913 +5.7% YoY	40%
Assets	$8.5M -0.7% YoY+2.7% QoQ	$-21.7M	$30.2M +1.3% YoY	$128.1M +5.9% YoY	$578.3M +9.0% YoY	28%
Loans	$3.0M -21.5% YoY-7.7% QoQ	$-12.3M	$15.3M -2.0% YoY	$89.6M +5.7% YoY	$402.4M +8.7% YoY	24%
Deposits	$7.8M -0.9% YoY+2.9% QoQ	$-18.0M	$25.8M +0.7% YoY	$109.6M +6.0% YoY	$494.3M +9.1% YoY	31%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.1% -54.3% YoY-75.1% QoQ	+0.0%	0.1% -77.6% YoY	0.1% -79.1% YoY	0.4% -39.2% YoY	27%
NIM	4.8% -11.5% YoY-10.3% QoQ	+0.8%	4.0% +4.0% YoY	4.2% -0.4% YoY	3.8% +4.1% YoY	Top 14.6% in tier
Efficiency Ratio	98.2% +9.7% YoY+8.7% QoQ	+7.5%	90.6% +6.5% YoY	88.0% +2.9% YoY	84.6% +2.8% YoY	82%
Delinquency Rate	1.7% +15.8% YoY-25.4% QoQ	+0.2	1.5% +3.8% YoY	1.7% -21.7% YoY	1.2% +3.4% YoY	78%
Loan To Share	38.8% -20.8% YoY-10.3% QoQ	-19.7%	58.5% -3.0% YoY	68.2% -2.4% YoY	65.6% -1.4% YoY	20%
AMR	$7,412 -3.1% YoY+2.4% QoQ	$-7K	$14,884 -1.7% YoY	$13,483 +2.5% YoY	$19,920 +1.6% YoY	16%
CD Concentration	0.1% +0.9% YoY-2.8% QoQ	-24.2%	24.3%	14.9%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	5.1%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

295

Fee Income Per Member

profitability

Value: $148.36

Peer Median: $60.42

#295 of 2508 Top 11.7% in <100M tier

365

Net Interest Margin (NIM)

profitability

Value: 4.83%

Peer Median: 3.83%

#365 of 2508 Top 14.5% in <100M tier

407

Members Per Employee (MPE)

engagement

Value: 485.333

Peer Median: 333.750

#407 of 2508 Top 16.2% in <100M tier

428

Net Charge-Off Rate

risk

Value: -0.01%

Peer Median: 0.07%

#428 of 2508 Top 17.0% in <100M tier

563

Share Certificate Concentration (%)

balance_sheet

Value: 0.10%

Peer Median: 12.45%

#563 of 2508 Top 22.4% in <100M tier

Top Weaknesses (10 metrics)

2407

Net Worth Ratio

risk

Value: 7.75%

Peer Median: 14.28%

#2407 of 2508 Bottom 4.1% in <100M tier

2373

Loan Growth Rate

growth

Value: -21.47%

Peer Median: -2.36%

#2373 of 2508 Bottom 5.4% in <100M tier

2146

Loan-to-Member Ratio (LMR)

engagement

Value: $2,071

Peer Median: $4,923

#2146 of 2508 Bottom 14.5% in <100M tier

2098

Average Member Relationship (AMR)

engagement

Value: $7,412

Peer Median: $13,926

#2098 of 2508 Bottom 16.4% in <100M tier

2065

Efficiency Ratio

profitability

Value: 98.16%

Peer Median: 81.45%

#2065 of 2508 Bottom 17.7% in <100M tier

2051

Member Growth Rate

growth

Value: -4.71%

Peer Median: -1.37%

#2051 of 2508 Bottom 18.3% in <100M tier

1998

Loan-to-Share Ratio

balance_sheet

Value: 38.78%

Peer Median: 58.72%

#1998 of 2508 Bottom 20.4% in <100M tier

1953

Total Delinquency Rate (60+ days)

risk

Value: 1.73%

Peer Median: 0.65%

#1953 of 2508 Bottom 22.2% in <100M tier

1903

Total Loans

balance_sheet

Value: $3.02M

Peer Median: $9.48M

#1903 of 2508 Bottom 24.2% in <100M tier

1895

AMR Growth Rate

growth

Value: -3.06%

Peer Median: 1.27%

#1895 of 2508 Bottom 24.5% in <100M tier