BlastPoint's Credit Union Scorecard
SABINE SCHOOL EMPLOYEES
Charter #21615 · LA
SABINE SCHOOL EMPLOYEES faces 5 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 1.46% below tier average
- - Efficiency ratio 3.89% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 3.6% in tier
- - Fee Income Per Member: Bottom 7.5% in tier
- - Net Charge-Off Rate: Bottom 7.6% 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 +2.4% year over year ($4.1M in shares and deposits).
- Membership: 640 members, +1.6% vs a year ago.
- Delinquency rate 1.21%.
- Return on assets 0.03%.
- Efficiency ratio 92.66% vs a 88.77% peer average.
- Loan-to-share ratio 53.95% 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 |
640
+1.6% YoY-0.5% QoQ
|
-1.9K |
2,585
-1.7% YoY
|
9,550
+2.7% YoY
|
34,678
+6.6% YoY
|
18% |
| Assets |
$5.2M
+2.0% YoY+1.1% QoQ
|
$-25.1M |
$30.3M
+1.5% YoY
|
$130.2M
+7.1% YoY
|
$593.1M
+10.2% YoY
|
19% |
| Loans |
$2.2M
-9.3% YoY-3.2% QoQ
|
$-13.2M |
$15.5M
-1.7% YoY
|
$92.6M
+7.3% YoY
|
$418.6M
+10.1% YoY
|
19% |
| Deposits |
$4.1M
+2.4% YoY+1.4% QoQ
|
$-21.7M |
$25.8M
+1.1% YoY
|
$111.6M
+7.6% YoY
|
$504.8M
+10.3% YoY
|
19% |
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 |
0.0%
-54.2% YoY-94.8% QoQ
|
-1.5% |
1.5%
+241.5% YoY
|
1.1%
+258.0% YoY
|
1.2%
+121.4% YoY
|
Bottom 2.3% in tier |
| NIM |
3.0%
+5.6% YoY-24.3% QoQ
|
-0.9% |
3.9%
+0.9% YoY
|
4.2%
-0.2% YoY
|
3.8%
+2.3% YoY
|
17% |
| Efficiency Ratio |
92.7%
+2.5% YoY+26.8% QoQ
|
+3.9% |
88.8%
-6.9% YoY
|
89.3%
+0.7% YoY
|
83.0%
-5.3% YoY
|
76% |
| Delinquency Rate |
1.2%
+84.7% YoY+39.7% QoQ
|
-0.3 |
1.5%
+2.1% YoY
|
2.0%
+21.9% YoY
|
1.3%
+2.6% YoY
|
67% |
| Loan To Share |
53.9%
-11.5% YoY-4.5% QoQ
|
-4.9% |
58.9%
-3.1% YoY
|
68.1%
-2.7% YoY
|
66.4%
-1.4% YoY
|
43% |
| AMR |
$9,934
-3.6% YoY+0.2% QoQ
|
$-5K |
$14,963
-6.8% YoY
|
$13,536
+2.7% YoY
|
$20,028
-0.9% YoY
|
28% |
| CD Concentration |
50.6%
+7.1% YoY+1.3% QoQ
|
+26.1% | 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)