BlastPoint's Credit Union Scorecard
P.H.I.
Charter #21879 · LA
P.H.I. has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.63% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.80% below tier average
- - Efficiency ratio 22.67% above tier (higher cost structure)
- - Member decline: -4.7% YoY
- - Net Worth Ratio: Bottom 1.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
832
-4.7% YoY-2.0% QoQ
|
-1.8K |
2,676
+1.6% YoY
|
9,512
+2.6% YoY
|
33,913
+5.7% YoY
|
24% |
| Assets |
$5.0M
-4.5% YoY+3.0% QoQ
|
$-25.1M |
$30.2M
+1.3% YoY
|
$128.1M
+5.9% YoY
|
$578.3M
+9.0% YoY
|
19% |
| Loans |
$3.2M
-12.6% YoY-5.1% QoQ
|
$-12.1M |
$15.3M
-2.0% YoY
|
$89.6M
+5.7% YoY
|
$402.4M
+8.7% YoY
|
26% |
| Deposits |
$4.7M
-2.8% YoY+3.5% QoQ
|
$-21.1M |
$25.8M
+0.7% YoY
|
$109.6M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
22% |
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| ROA |
-0.7%
-19.5% YoY-63.7% QoQ
|
-0.8% |
0.1%
-77.6% YoY
|
0.1%
-79.1% YoY
|
0.4%
-39.2% YoY
|
Bottom 11.4% in tier |
| NIM |
4.6%
-5.2% YoY-9.4% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
4.2%
-0.4% YoY
|
3.8%
+4.1% YoY
|
81% |
| Efficiency Ratio |
113.3%
+10.3% YoY+10.0% QoQ
|
+22.7% |
90.6%
+6.5% YoY
|
88.0%
+2.9% YoY
|
84.6%
+2.8% YoY
|
Bottom 8.1% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
+3.8% YoY
|
1.7%
-21.7% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
68.8%
-10.1% YoY-8.3% QoQ
|
+10.3% |
58.5%
-3.0% YoY
|
68.2%
-2.4% YoY
|
65.6%
-1.4% YoY
|
66% |
| AMR |
$9,462
-2.5% YoY+1.8% QoQ
|
$-5K |
$14,884
-1.7% YoY
|
$13,483
+2.5% YoY
|
$19,920
+1.6% YoY
|
25% |
| CD Concentration |
1.8%
-2.8% YoY-2.7% QoQ
|
-22.5% | 24.3% | 14.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)