BlastPoint's Credit Union Scorecard

L'OREAL USA

Charter #21109 · NJ

<100M

2508 CUs in <100M nationally 97 in NJ

L'OREAL USA has 1 strength but faces 3 concerns

National Analysis

How does the industry compare?

NJ Analysis

How does NJ stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Charge-Off Rate: Top 6.1% in tier

Key Concerns

Areas that may need attention

- ROA 0.61% below tier average
- Efficiency ratio 22.29% above tier (higher cost structure)
- Member decline: -5.9% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Members	1,673 -5.9% YoY-1.9% QoQ	-1.0K	2,676 +1.6% YoY	7,451 +5.5% YoY	33,913 +5.7% YoY	44%
Assets	$21.1M -4.4% YoY+1.5% QoQ	$-9.1M	$30.2M +1.3% YoY	$121.0M +5.7% YoY	$578.3M +9.0% YoY	49%
Loans	$6.9M -10.9% YoY-4.3% QoQ	$-8.4M	$15.3M -2.0% YoY	$75.7M +10.1% YoY	$402.4M +8.7% YoY	42%
Deposits	$15.7M -5.9% YoY+2.1% QoQ	$-10.1M	$25.8M +0.7% YoY	$104.6M +7.1% YoY	$494.3M +9.1% YoY	46%

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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	-0.5% +34.9% YoY+53.8% QoQ	-0.6%	0.1% -77.6% YoY	0.4% -4.8% YoY	0.4% -39.2% YoY	Bottom 13.5% in tier
NIM	3.2% +5.4% YoY-4.7% QoQ	-0.9%	4.0% +4.0% YoY	3.8% +4.3% YoY	3.8% +4.1% YoY	23%
Efficiency Ratio	112.9% +2.9% YoY+8.5% QoQ	+22.3%	90.6% +6.5% YoY	85.6% -4.2% YoY	84.6% +2.8% YoY	Bottom 8.3% in tier
Delinquency Rate	0.6% -70.3% YoY+26.4% QoQ	-0.9	1.5% +3.8% YoY	2.4% +59.8% YoY	1.2% +3.4% YoY	48%
Loan To Share	44.0% -5.4% YoY-6.2% QoQ	-14.5%	58.5% -3.0% YoY	51.7% -1.0% YoY	65.6% -1.4% YoY	27%
AMR	$13,519 -1.8% YoY+1.9% QoQ	$-1K	$14,884 -1.7% YoY	$16,671 +1.3% YoY	$19,920 +1.6% YoY	48%
CD Concentration	1.0% -36.9% YoY-3.4% QoQ	-23.3%	24.3%	14.5%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	1.0%	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 (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

154

Net Charge-Off Rate

risk

Value: -0.21%

Peer Median: 0.07%

#154 of 2508 Top 6.1% in <100M tier

256

Net Worth Ratio

risk

Value: 25.38%

Peer Median: 14.28%

#256 of 2508 Top 10.2% in <100M tier

621

Share Certificate Concentration (%)

balance_sheet

Value: 0.96%

Peer Median: 12.45%

#621 of 2508 Top 24.7% in <100M tier

Top Weaknesses (8 metrics)

2300

Efficiency Ratio

profitability

Value: 112.92%

Peer Median: 81.45%

#2300 of 2508 Bottom 8.3% in <100M tier

2170

Return on Assets (ROA)

profitability

Value: -0.46%

Peer Median: 0.61%

#2170 of 2508 Bottom 13.5% in <100M tier

2157

Member Growth Rate

growth

Value: -5.85%

Peer Median: -1.37%

#2157 of 2508 Bottom 14.0% in <100M tier

2153

First Mortgage Concentration (%)

balance_sheet

Value: 38.76%

Peer Median: 3.66%

#2153 of 2508 Bottom 14.2% in <100M tier

2138

Deposit Growth Rate

growth

Value: -5.91%

Peer Median: 0.66%

#2138 of 2508 Bottom 14.8% in <100M tier

2098

Asset Growth Rate

growth

Value: -4.39%

Peer Median: 1.30%

#2098 of 2508 Bottom 16.4% in <100M tier

2015

Loan Growth Rate

growth

Value: -10.94%

Peer Median: -2.36%

#2015 of 2508 Bottom 19.7% in <100M tier

1937

Net Interest Margin (NIM)

profitability

Value: 3.15%

Peer Median: 3.83%

#1937 of 2508 Bottom 22.8% in <100M tier