BlastPoint's Credit Union Scorecard
ENGAGE
Charter #22005 · LA
ENGAGE shows strong momentum with 8 strengths and 27.9% YoY member growth
Key Strengths
Areas where this CU excels compared to peers
- + ROA 3.61% above tier average
- + Net Interest Margin 0.42% above tier average
- + Strong member growth: 27.9% YoY
- + Member Growth Rate: Top 1.1% in tier
- + Deposit Growth Rate: Top 1.2% in tier
- + Asset Growth Rate: Top 1.5% in tier
- + Fee Income Per Member: Top 2.0% in tier
- + Loan Growth Rate: Top 4.0% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,236
+27.9% YoY+3.3% QoQ
|
+1.6K |
2,676
+1.6% YoY
|
9,512
+2.6% YoY
|
33,913
+5.7% YoY
|
81% |
| Assets |
$29.2M
+19.7% YoY+4.8% QoQ
|
$-977K |
$30.2M
+1.3% YoY
|
$128.1M
+5.9% YoY
|
$578.3M
+9.0% YoY
|
58% |
| Loans |
$21.0M
+18.9% YoY-1.0% QoQ
|
+$5.8M |
$15.3M
-2.0% YoY
|
$89.6M
+5.7% YoY
|
$402.4M
+8.7% YoY
|
72% |
| Deposits |
$22.9M
+22.5% YoY+5.8% QoQ
|
$-2.8M |
$25.8M
+0.7% YoY
|
$109.6M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
56% |
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| ROA |
3.8%
-12.1% YoY+137.0% QoQ
|
+3.6% |
0.1%
-77.6% YoY
|
0.1%
-79.1% YoY
|
0.4%
-39.2% YoY
|
Top 1.2% in tier |
| NIM |
4.4%
+10.6% YoY-1.9% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
4.2%
-0.4% YoY
|
3.8%
+4.1% YoY
|
74% |
| Efficiency Ratio |
55.3%
+22.1% YoY-23.8% QoQ
|
-35.3% |
90.6%
+6.5% YoY
|
88.0%
+2.9% YoY
|
84.6%
+2.8% YoY
|
Top 7.7% in tier |
| Delinquency Rate |
0.8%
+39.3% YoY+27.2% QoQ
|
-0.7 |
1.5%
+3.8% YoY
|
1.7%
-21.7% YoY
|
1.2%
+3.4% YoY
|
57% |
| Loan To Share |
91.7%
-2.9% YoY-6.4% QoQ
|
+33.2% |
58.5%
-3.0% YoY
|
68.2%
-2.4% YoY
|
65.6%
-1.4% YoY
|
Top 6.9% in tier |
| AMR |
$10,382
-5.6% YoY-0.9% QoQ
|
$-5K |
$14,884
-1.7% YoY
|
$13,483
+2.5% YoY
|
$19,920
+1.6% YoY
|
30% |
| CD Concentration |
22.3%
-15.6% YoY-18.0% QoQ
|
-2.0% | 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)