BlastPoint's Credit Union Scorecard
LOUISIANA BAPTIST
Charter #21968 · LA
LOUISIANA BAPTIST has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.32% above tier average
- + AMR Growth Rate: Top 6.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.66% above tier average
- - Member decline: -12.8% YoY
- - Member Growth Rate: Bottom 3.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
761
-12.8% YoY-1.8% QoQ
|
-1.9K |
2,676
+1.6% YoY
|
9,512
+2.6% YoY
|
33,913
+5.7% YoY
|
22% |
| Assets |
$5.9M
-4.6% YoY+0.1% QoQ
|
$-24.3M |
$30.2M
+1.3% YoY
|
$128.1M
+5.9% YoY
|
$578.3M
+9.0% YoY
|
22% |
| Loans |
$4.0M
+2.1% YoY-2.3% QoQ
|
$-11.3M |
$15.3M
-2.0% YoY
|
$89.6M
+5.7% YoY
|
$402.4M
+8.7% YoY
|
30% |
| Deposits |
$5.0M
-5.0% YoY-0.1% QoQ
|
$-20.8M |
$25.8M
+0.7% YoY
|
$109.6M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
23% |
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| ROA |
0.5%
-44.2% YoY-34.3% QoQ
|
+0.3% |
0.1%
-77.6% YoY
|
0.1%
-79.1% YoY
|
0.4%
-39.2% YoY
|
43% |
| NIM |
4.0%
+10.2% YoY-0.7% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
4.2%
-0.4% YoY
|
3.8%
+4.1% YoY
|
58% |
| Efficiency Ratio |
80.7%
+1.8% YoY+3.4% QoQ
|
-9.9% |
90.6%
+6.5% YoY
|
88.0%
+2.9% YoY
|
84.6%
+2.8% YoY
|
48% |
| Delinquency Rate |
3.2%
-6.8% YoY-37.6% QoQ
|
+1.7 |
1.5%
+3.8% YoY
|
1.7%
-21.7% YoY
|
1.2%
+3.4% YoY
|
Bottom 10.4% in tier |
| Loan To Share |
80.9%
+7.5% YoY-2.2% QoQ
|
+22.4% |
58.5%
-3.0% YoY
|
68.2%
-2.4% YoY
|
65.6%
-1.4% YoY
|
83% |
| AMR |
$11,804
+12.5% YoY+0.7% QoQ
|
$-3K |
$14,884
-1.7% YoY
|
$13,483
+2.5% YoY
|
$19,920
+1.6% YoY
|
38% |
| CD Concentration |
26.7%
+20.2% YoY+11.3% QoQ
|
+2.4% | 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)