BlastPoint's Credit Union Scorecard
L'OREAL USA
Charter #21109 · NJ
L'OREAL USA has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.92% below tier average
- - Efficiency ratio 21.54% above tier (higher cost structure)
- - Member decline: -9.5% YoY
- - Member Growth Rate: Bottom 6.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,705
-9.5% YoY-2.0% QoQ
|
-910 |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
45% |
| Assets |
$20.8M
-2.1% YoY-0.3% QoQ
|
$-9.4M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
49% |
| Loans |
$7.2M
-9.8% YoY-3.6% QoQ
|
$-8.5M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
42% |
| Deposits |
$15.4M
-2.6% YoY-0.3% QoQ
|
$-10.3M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
46% |
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| ROA |
-0.3%
+11.5% YoY+16.9% QoQ
|
-0.9% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
Bottom 11.0% in tier |
| NIM |
3.3%
+2.9% YoY+4.1% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
28% |
| Efficiency Ratio |
104.1%
-2.6% YoY-2.7% QoQ
|
+21.5% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
Top 8.7% in tier |
| Delinquency Rate |
0.5%
-63.6% YoY-63.8% QoQ
|
-1.1 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
40% |
| Loan To Share |
47.0%
-7.4% YoY-3.3% QoQ
|
-13.7% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
29% |
| AMR |
$13,262
+4.9% YoY+0.6% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
47% |
| CD Concentration |
1.0%
-43.9% YoY+0.4% QoQ
|
-23.4% | 24.4% | 14.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 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)