BlastPoint's Credit Union Scorecard
L'OREAL USA
Charter #21109 · NJ
L'OREAL USA has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.94% below tier average
- - Efficiency ratio 25.61% above tier (higher cost structure)
- - Member decline: -7.8% YoY
- - Member Growth Rate: Bottom 9.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,740
-7.8% YoY-1.0% QoQ
|
-885 |
2,625
-2.2% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
46% |
| Assets |
$20.8M
-0.6% YoY-3.3% QoQ
|
$-9.0M |
$29.9M
+1.1% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
49% |
| Loans |
$7.5M
-12.1% YoY-2.1% QoQ
|
$-8.3M |
$15.8M
-2.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
43% |
| Deposits |
$15.4M
-2.2% YoY-1.8% QoQ
|
$-10.0M |
$25.5M
+0.4% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
46% |
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| ROA |
-0.3%
-94.0% YoY-0.8% QoQ
|
-0.9% |
0.7%
-731.4% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
Bottom 11.6% in tier |
| NIM |
3.2%
+0.3% YoY+3.1% QoQ
|
-0.8% |
3.9%
+3.8% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
23% |
| Efficiency Ratio |
107.0%
+6.4% YoY-0.3% QoQ
|
+25.6% |
81.4%
-2.4% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
Top 7.2% in tier |
| Delinquency Rate |
1.3%
-23.3% YoY-17.9% QoQ
|
-0.2 |
1.5%
-2.0% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
69% |
| Loan To Share |
48.6%
-10.1% YoY-0.4% QoQ
|
-12.7% |
61.2%
-3.0% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
30% |
| AMR |
$13,178
+2.3% YoY-0.9% QoQ
|
$-1K |
$14,627
-2.7% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
47% |
| CD Concentration |
1.0%
-44.1% YoY-18.0% QoQ
|
-23.4% |
24.4%
+4.2% YoY
|
14.2%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
0.9%
-16.1% YoY
|
7.9%
-2.9% YoY
|
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)