BlastPoint's Credit Union Scorecard
LOUISIANA BAPTIST
Charter #21968 · LA
LOUISIANA BAPTIST has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.09% above tier average
- + Net Interest Margin 0.07% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 3.51% above tier average
- - Member decline: -10.0% YoY
- - Asset Growth Rate: Bottom 5.2% in tier
- - Deposit Growth Rate: Bottom 5.3% in tier
- - Member Growth Rate: Bottom 5.4% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
775
-10.0% YoY-2.5% QoQ
|
-1.8K |
2,615
-1.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
22% |
| Assets |
$5.9M
-9.5% YoY-1.3% QoQ
|
$-24.3M |
$30.1M
+2.1% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
22% |
| Loans |
$4.1M
+4.0% YoY-1.8% QoQ
|
$-11.7M |
$15.8M
-1.3% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
30% |
| Deposits |
$5.0M
-11.5% YoY-1.4% QoQ
|
$-20.7M |
$25.7M
+1.4% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
23% |
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| ROA |
0.7%
-9.0% YoY-20.4% QoQ
|
+0.1% |
0.6%
+10.8% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
52% |
| NIM |
4.0%
+18.5% YoY+0.8% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
55% |
| Efficiency Ratio |
78.1%
-2.0% YoY-0.9% QoQ
|
-4.5% |
82.6%
-2.3% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
46% |
| Delinquency Rate |
5.1%
+62.1% YoY+159.6% QoQ
|
+3.5 |
1.6%
-3.1% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
Top 6.1% in tier |
| Loan To Share |
82.7%
+17.5% YoY-0.3% QoQ
|
+22.1% |
60.6%
-3.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
82% |
| AMR |
$11,722
+5.4% YoY+1.0% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
38% |
| CD Concentration |
24.0%
+22.9% YoY+2.4% QoQ
|
-0.4% | 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)