BlastPoint's Credit Union Scorecard
ENGAGE
Charter #22005 · LA
ENGAGE has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.68% above tier average
- + Net Interest Margin 0.67% above tier average
- + Strong member growth: 9.7% YoY
- + Member Growth Rate: Top 3.9% in tier
- + Loan-to-Share Ratio: Top 4.2% in tier
- + Fee Income Per Member: Top 8.2% in tier
Key Concerns
Areas that may need attention
- - AMR Growth Rate: Bottom 7.9% 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 -1.8% year over year ($22.0M in shares and deposits).
- Membership: 4,432 members, +9.7% vs a year ago.
- Delinquency rate 0.95%.
- Return on assets 2.18%.
- Efficiency ratio 67.74% vs a 88.77% peer average.
- Loan-to-share ratio 97.39% 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 |
4,432
+9.7% YoY+4.6% QoQ
|
+1.8K |
2,585
-1.7% YoY
|
9,550
+2.7% YoY
|
34,678
+6.6% YoY
|
82% |
| Assets |
$28.5M
+0.2% YoY-2.6% QoQ
|
$-1.8M |
$30.3M
+1.5% YoY
|
$130.2M
+7.1% YoY
|
$593.1M
+10.2% YoY
|
58% |
| Loans |
$21.4M
+0.7% YoY+1.7% QoQ
|
+$5.9M |
$15.5M
-1.7% YoY
|
$92.6M
+7.3% YoY
|
$418.6M
+10.1% YoY
|
73% |
| Deposits |
$22.0M
-1.8% YoY-4.2% QoQ
|
$-3.8M |
$25.8M
+1.1% YoY
|
$111.6M
+7.6% YoY
|
$504.8M
+10.3% YoY
|
55% |
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| ROA |
2.2%
+20.9% YoY-42.1% QoQ
|
+0.7% |
1.5%
+241.5% YoY
|
1.1%
+258.0% YoY
|
1.2%
+121.4% YoY
|
Top 7.7% in tier |
| NIM |
4.6%
+1.8% YoY+3.3% QoQ
|
+0.7% |
3.9%
+0.9% YoY
|
4.2%
-0.2% YoY
|
3.8%
+2.3% YoY
|
78% |
| Efficiency Ratio |
67.7%
-6.8% YoY+22.5% QoQ
|
-21.0% |
88.8%
-6.9% YoY
|
89.3%
+0.7% YoY
|
83.0%
-5.3% YoY
|
22% |
| Delinquency Rate |
1.0%
-24.9% YoY+20.9% QoQ
|
-0.6 |
1.5%
+2.1% YoY
|
2.0%
+21.9% YoY
|
1.3%
+2.6% YoY
|
59% |
| Loan To Share |
97.4%
+2.6% YoY+6.2% QoQ
|
+38.5% |
58.9%
-3.1% YoY
|
68.1%
-2.7% YoY
|
66.4%
-1.4% YoY
|
Top 4.3% in tier |
| AMR |
$9,785
-9.4% YoY-5.7% QoQ
|
$-5K |
$14,963
-6.8% YoY
|
$13,536
+2.7% YoY
|
$20,028
-0.9% YoY
|
27% |
| CD Concentration |
26.4%
-1.1% YoY+18.8% QoQ
|
+1.9% | 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)