BlastPoint's Credit Union Scorecard
LOUISIANA BAPTIST
Charter #21968 · LA
LOUISIANA BAPTIST faces 4 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 1.41% below tier average
- - Delinquency rate 0.50% above tier average
- - Member decline: -8.2% YoY
- - Member Growth Rate: Bottom 8.5% 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 +1.6% year over year ($5.3M in shares and deposits).
- Membership: 751 members, -8.2% vs a year ago.
- Delinquency rate 2.05%.
- Return on assets 0.08%.
- Efficiency ratio 84.87% vs a 88.77% peer average.
- Loan-to-share ratio 72.70% 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 |
751
-8.2% YoY-1.3% QoQ
|
-1.8K |
2,585
-1.7% YoY
|
9,550
+2.7% YoY
|
34,678
+6.6% YoY
|
21% |
| Assets |
$6.2M
+1.9% YoY+5.2% QoQ
|
$-24.1M |
$30.3M
+1.5% YoY
|
$130.2M
+7.1% YoY
|
$593.1M
+10.2% YoY
|
22% |
| Loans |
$3.8M
-10.0% YoY-4.7% QoQ
|
$-11.6M |
$15.5M
-1.7% YoY
|
$92.6M
+7.3% YoY
|
$418.6M
+10.1% YoY
|
29% |
| Deposits |
$5.3M
+1.6% YoY+6.0% QoQ
|
$-20.5M |
$25.8M
+1.1% YoY
|
$111.6M
+7.6% YoY
|
$504.8M
+10.3% YoY
|
24% |
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| ROA |
0.1%
-91.8% YoY-83.3% QoQ
|
-1.4% |
1.5%
+241.5% YoY
|
1.1%
+258.0% YoY
|
1.2%
+121.4% YoY
|
Bottom 5.4% in tier |
| NIM |
3.8%
-3.5% YoY-6.1% QoQ
|
-0.1% |
3.9%
+0.9% YoY
|
4.2%
-0.2% YoY
|
3.8%
+2.3% YoY
|
45% |
| Efficiency Ratio |
84.9%
+9.2% YoY+5.2% QoQ
|
-3.9% |
88.8%
-6.9% YoY
|
89.3%
+0.7% YoY
|
83.0%
-5.3% YoY
|
60% |
| Delinquency Rate |
2.0%
+21.4% YoY-35.3% QoQ
|
+0.5 |
1.5%
+2.1% YoY
|
2.0%
+21.9% YoY
|
1.3%
+2.6% YoY
|
79% |
| Loan To Share |
72.7%
-11.4% YoY-10.1% QoQ
|
+13.8% |
58.9%
-3.1% YoY
|
68.1%
-2.7% YoY
|
66.4%
-1.4% YoY
|
71% |
| AMR |
$12,105
+5.0% YoY+2.6% QoQ
|
$-3K |
$14,963
-6.8% YoY
|
$13,536
+2.7% YoY
|
$20,028
-0.9% YoY
|
39% |
| CD Concentration |
29.0%
+29.1% YoY+8.5% QoQ
|
+4.4% | 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)