BlastPoint's Credit Union Scorecard
SEWERAGE & WATER BOARD EMPLOYEES
Charter #2056 · LA
SEWERAGE & WATER BOARD EMPLOYEES has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.43% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.07% below tier average
- - Efficiency ratio 7.76% above tier (higher cost structure)
- - Delinquency rate 0.76% above tier average
- - Member decline: -2.9% YoY
- - Net Worth Ratio: Bottom 4.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,495
-2.9% YoY0% QoQ
|
-1.1K |
2,615
-1.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
40% |
| Assets |
$8.2M
+4.3% YoY-3.1% QoQ
|
$-21.9M |
$30.1M
+2.1% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
28% |
| Loans |
$3.3M
-14.2% YoY-7.2% QoQ
|
$-12.5M |
$15.8M
-1.3% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
25% |
| Deposits |
$7.6M
+4.6% YoY-3.0% QoQ
|
$-18.1M |
$25.7M
+1.4% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
30% |
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| ROA |
0.5%
+34.9% YoY-16.6% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
42% |
| NIM |
5.4%
-2.6% YoY-0.1% QoQ
|
+1.4% |
4.0%
+4.0% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
Top 8.2% in tier |
| Efficiency Ratio |
90.3%
-3.5% YoY+1.8% QoQ
|
+7.8% |
82.6%
-2.3% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
76% |
| Delinquency Rate |
2.3%
+177.8% YoY+18.5% QoQ
|
+0.8 |
1.6%
-3.1% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
82% |
| Loan To Share |
43.2%
-17.9% YoY-4.3% QoQ
|
-17.4% |
60.6%
-3.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
24% |
| AMR |
$7,239
+1.0% YoY-4.3% QoQ
|
$-8K |
$14,783
-1.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
16% |
| CD Concentration |
0.1%
-4.4% YoY+3.1% QoQ
|
-24.3% | 24.4% | 15.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 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)