BlastPoint's Credit Union Scorecard

SOUTHERN TEACHERS & PARENTS

Charter #2068 · LA

<100M

2508 CUs in <100M nationally 107 in LA

SOUTHERN TEACHERS & PARENTS has 2 strengths 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 0.12% above tier average
+ AMR Growth Rate: Top 5.5% in tier

Key Concerns

Areas that may need attention

- ROA 0.19% below tier average
- Efficiency ratio 8.35% above tier (higher cost structure)
- Member decline: -11.7% YoY
- Member Growth Rate: Bottom 4.7% in tier
- Net Worth Ratio: Bottom 8.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Members	3,819 -11.7% YoY-0.3% QoQ	+1.1K	2,676 +1.6% YoY	9,512 +2.6% YoY	33,913 +5.7% YoY	77%
Assets	$29.6M +2.5% YoY+0.2% QoQ	$-542K	$30.2M +1.3% YoY	$128.1M +5.9% YoY	$578.3M +9.0% YoY	59%
Loans	$13.9M -2.6% YoY-2.3% QoQ	$-1.4M	$15.3M -2.0% YoY	$89.6M +5.7% YoY	$402.4M +8.7% YoY	60%
Deposits	$26.8M +1.5% YoY+0.3% QoQ	+$1.1M	$25.8M +0.7% YoY	$109.6M +6.0% YoY	$494.3M +9.1% YoY	61%

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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	-0.0% -115.9% YoY-107.4% QoQ	-0.2%	0.1% -77.6% YoY	0.1% -79.1% YoY	0.4% -39.2% YoY	20%
NIM	4.1% +3.2% YoY+1.5% QoQ	+0.1%	4.0% +4.0% YoY	4.2% -0.4% YoY	3.8% +4.1% YoY	64%
Efficiency Ratio	99.0% +3.8% YoY+10.7% QoQ	+8.4%	90.6% +6.5% YoY	88.0% +2.9% YoY	84.6% +2.8% YoY	83%
Delinquency Rate	0.1% -1.7% YoY+16.5% QoQ	-1.4	1.5% +3.8% YoY	1.7% -21.7% YoY	1.2% +3.4% YoY	25%
Loan To Share	51.8% -4.1% YoY-2.6% QoQ	-6.7%	58.5% -3.0% YoY	68.2% -2.4% YoY	65.6% -1.4% YoY	39%
AMR	$10,670 +13.3% YoY-0.4% QoQ	$-4K	$14,884 -1.7% YoY	$13,483 +2.5% YoY	$19,920 +1.6% YoY	32%
CD Concentration	13.2% +14.9% YoY+1.9% QoQ	-11.1%	24.3%	14.9%	19.8%	50%
Indirect Auto %	5.1% +3.6% QoQ	-8.7%	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 (3 metrics)

138

AMR Growth Rate

growth

Value: 13.33%

Peer Median: 1.27%

#138 of 2508 Top 5.5% in <100M tier

387

Fee Income Per Member

profitability

Value: $135.84

Peer Median: $60.42

#387 of 2508 Top 15.4% in <100M tier

568

Total Members

engagement

Value: 3,819

Peer Median: 1,918

#568 of 2508 Top 22.6% in <100M tier

Top Weaknesses (6 metrics)

2391

Member Growth Rate

growth

Value: -11.72%

Peer Median: -1.37%

#2391 of 2508 Bottom 4.7% in <100M tier

2303

Net Worth Ratio

risk

Value: 8.63%

Peer Median: 14.28%

#2303 of 2508 Bottom 8.2% in <100M tier

2244

Indirect Auto Concentration (%)

balance_sheet

Value: 5.14%

Peer Median: 0.00%

#2244 of 2508 Bottom 10.6% in <100M tier

2162

Net Charge-Off Rate

risk

Value: 1.01%

Peer Median: 0.07%

#2162 of 2508 Bottom 13.8% in <100M tier

2086

Efficiency Ratio

profitability

Value: 98.99%

Peer Median: 81.45%

#2086 of 2508 Bottom 16.9% in <100M tier

2004

Return on Assets (ROA)

profitability

Value: -0.04%

Peer Median: 0.61%

#2004 of 2508 Bottom 20.1% in <100M tier