BlastPoint's Credit Union Scorecard
P.H.I.
Charter #21879 · LA
P.H.I. has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.17% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 2.43% below tier average
- - Efficiency ratio 20.45% above tier (higher cost structure)
- - Member decline: -12.3% YoY
- - Net Worth Ratio: Bottom 2.3% in tier
- - Member Growth Rate: Bottom 3.9% in tier
- - Net Charge-Off Rate: Bottom 4.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
849
-12.3% YoY-1.4% QoQ
|
-1.8K |
2,615
-1.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
24% |
| Assets |
$4.9M
-5.6% YoY-2.6% QoQ
|
$-25.2M |
$30.1M
+2.1% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
19% |
| Loans |
$3.4M
-11.5% YoY-3.1% QoQ
|
$-12.4M |
$15.8M
-1.3% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
26% |
| Deposits |
$4.5M
-4.4% YoY-1.5% QoQ
|
$-21.2M |
$25.7M
+1.4% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
21% |
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| ROA |
-1.8%
-268.7% YoY+65.6% QoQ
|
-2.4% |
0.6%
+10.8% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
Bottom 3.4% in tier |
| NIM |
5.1%
+3.1% YoY+2.2% QoQ
|
+1.2% |
4.0%
+4.0% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
Top 11.9% in tier |
| Efficiency Ratio |
103.0%
+37.3% YoY+0.8% QoQ
|
+20.5% |
82.6%
-2.3% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
Top 9.3% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.6 |
1.6%
-3.1% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
75.0%
-7.4% YoY-1.6% QoQ
|
+14.4% |
60.6%
-3.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
71% |
| AMR |
$9,293
+5.4% YoY-0.8% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
25% |
| CD Concentration |
1.9%
-1.3% YoY+1.6% QoQ
|
-22.6% | 24.4% | 15.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.0% | 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)