BlastPoint's Credit Union Scorecard
SEWERAGE & WATER BOARD EMPLOYEES
Charter #2056 · LA
SEWERAGE & WATER BOARD EMPLOYEES has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.89% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.38% below tier average
- - Efficiency ratio 9.68% above tier (higher cost structure)
- - Member decline: -3.8% YoY
- - Net Worth Ratio: Bottom 3.6% in tier
- - Loan Growth Rate: Bottom 4.1% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 107 that size in Louisiana.
- Shares and deposits +0.8% year over year ($7.8M in shares and deposits).
- Membership: 1,451 members, -3.8% vs a year ago.
- Delinquency rate 0.81%.
- Return on assets 0.11%.
- Efficiency ratio 98.44% vs a 88.77% peer average.
- Loan-to-share ratio 35.06% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,451
-3.8% YoY-0.3% QoQ
|
-1.1K |
2,585
-1.7% YoY
|
9,550
+2.7% YoY
|
34,678
+6.6% YoY
|
40% |
| Assets |
$8.5M
+0.7% YoY+0.7% QoQ
|
$-21.8M |
$30.3M
+1.5% YoY
|
$130.2M
+7.1% YoY
|
$593.1M
+10.2% YoY
|
28% |
| Loans |
$2.7M
-24.9% YoY-8.9% QoQ
|
$-12.7M |
$15.5M
-1.7% YoY
|
$92.6M
+7.3% YoY
|
$418.6M
+10.1% YoY
|
23% |
| Deposits |
$7.8M
+0.8% YoY+0.8% QoQ
|
$-18.0M |
$25.8M
+1.1% YoY
|
$111.6M
+7.6% YoY
|
$504.8M
+10.3% YoY
|
31% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.1%
-82.3% YoY-17.0% QoQ
|
-1.4% |
1.5%
+241.5% YoY
|
1.1%
+258.0% YoY
|
1.2%
+121.4% YoY
|
Bottom 7.1% in tier |
| NIM |
4.8%
-11.1% YoY-1.0% QoQ
|
+0.9% |
3.9%
+0.9% YoY
|
4.2%
-0.2% YoY
|
3.8%
+2.3% YoY
|
84% |
| Efficiency Ratio |
98.4%
+11.2% YoY+0.3% QoQ
|
+9.7% |
88.8%
-6.9% YoY
|
89.3%
+0.7% YoY
|
83.0%
-5.3% YoY
|
Bottom 14.9% in tier |
| Delinquency Rate |
0.8%
+8.9% YoY-53.0% QoQ
|
-0.7 |
1.5%
+2.1% YoY
|
2.0%
+21.9% YoY
|
1.3%
+2.6% YoY
|
54% |
| Loan To Share |
35.1%
-25.5% YoY-9.6% QoQ
|
-23.8% |
58.9%
-3.1% YoY
|
68.1%
-2.7% YoY
|
66.4%
-1.4% YoY
|
16% |
| AMR |
$7,297
-3.8% YoY-1.6% QoQ
|
$-8K |
$14,963
-6.8% YoY
|
$13,536
+2.7% YoY
|
$20,028
-0.9% YoY
|
16% |
| CD Concentration |
0.1%
-0.8% YoY-0.8% QoQ
|
-24.5% | 24.6% | 15.1% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 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)