BlastPoint's Credit Union Scorecard
P.H.I.
Charter #21879 · LA
P.H.I. has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.81% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Net Charge-Off Rate: Top 5.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.91% below tier average
- - Efficiency ratio 21.63% above tier (higher cost structure)
- - Member decline: -5.6% YoY
- - Net Worth Ratio: Bottom 1.7% 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 -5.1% year over year ($4.5M in shares and deposits).
- Membership: 816 members, -5.6% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 0.58%.
- Efficiency ratio 110.39% vs a 88.77% peer average.
- Loan-to-share ratio 68.65% 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 |
816
-5.6% YoY-1.9% QoQ
|
-1.8K |
2,585
-1.7% YoY
|
9,550
+2.7% YoY
|
34,678
+6.6% YoY
|
23% |
| Assets |
$4.9M
-6.5% YoY-3.1% QoQ
|
$-25.4M |
$30.3M
+1.5% YoY
|
$130.2M
+7.1% YoY
|
$593.1M
+10.2% YoY
|
18% |
| Loans |
$3.1M
-9.8% YoY-3.4% QoQ
|
$-12.4M |
$15.5M
-1.7% YoY
|
$92.6M
+7.3% YoY
|
$418.6M
+10.1% YoY
|
25% |
| Deposits |
$4.5M
-5.1% YoY-3.2% QoQ
|
$-21.3M |
$25.8M
+1.1% YoY
|
$111.6M
+7.6% YoY
|
$504.8M
+10.3% YoY
|
21% |
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| ROA |
0.6%
-167.0% YoY-188.1% QoQ
|
-0.9% |
1.5%
+241.5% YoY
|
1.1%
+258.0% YoY
|
1.2%
+121.4% YoY
|
36% |
| NIM |
4.7%
-3.2% YoY+1.5% QoQ
|
+0.8% |
3.9%
+0.9% YoY
|
4.2%
-0.2% YoY
|
3.8%
+2.3% YoY
|
82% |
| Efficiency Ratio |
110.4%
+7.2% YoY-2.6% QoQ
|
+21.6% |
88.8%
-6.9% YoY
|
89.3%
+0.7% YoY
|
83.0%
-5.3% YoY
|
Bottom 8.0% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
+2.1% YoY
|
2.0%
+21.9% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
68.6%
-5.0% YoY-0.2% QoQ
|
+9.8% |
58.9%
-3.1% YoY
|
68.1%
-2.7% YoY
|
66.4%
-1.4% YoY
|
64% |
| AMR |
$9,335
-1.6% YoY-1.4% QoQ
|
$-6K |
$14,963
-6.8% YoY
|
$13,536
+2.7% YoY
|
$20,028
-0.9% YoY
|
25% |
| CD Concentration |
1.6%
-13.4% YoY-10.2% QoQ
|
-22.9% | 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)