BlastPoint's Credit Union Scorecard
ENGAGE
Charter #22005 · LA
ENGAGE shows strong momentum with 11 strengths and 28.0% YoY member growth
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.96% above tier average
- + Net Interest Margin 0.56% above tier average
- + Strong member growth: 28.0% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 1.1% in tier
- + Deposit Growth Rate: Top 1.3% in tier
- + Asset Growth Rate: Top 1.3% in tier
- + Loan Growth Rate: Top 3.4% in tier
- + Loan-to-Share Ratio: Top 4.9% in tier
- + Fee Income Per Member: Top 6.9% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,099
+28.0% YoY-0.8% QoQ
|
+1.5K |
2,615
-1.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
80% |
| Assets |
$27.9M
+22.1% YoY+2.0% QoQ
|
$-2.3M |
$30.1M
+2.1% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
57% |
| Loans |
$21.3M
+20.6% YoY-0.0% QoQ
|
+$5.5M |
$15.8M
-1.3% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
72% |
| Deposits |
$21.7M
+24.9% YoY+2.1% QoQ
|
$-4.0M |
$25.7M
+1.4% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
54% |
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| ROA |
1.6%
-17.0% YoY-33.0% QoQ
|
+1.0% |
0.6%
+10.8% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
Top 14.0% in tier |
| NIM |
4.5%
+11.9% YoY+2.2% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
73% |
| Efficiency Ratio |
72.5%
+9.1% YoY+8.1% QoQ
|
-10.0% |
82.6%
-2.3% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
32% |
| Delinquency Rate |
0.6%
-11.6% YoY-30.5% QoQ
|
-0.9 |
1.6%
-3.1% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
46% |
| Loan To Share |
98.0%
-3.5% YoY-2.1% QoQ
|
+37.3% |
60.6%
-3.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
Top 5.0% in tier |
| AMR |
$10,477
-4.1% YoY+1.9% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
31% |
| CD Concentration |
27.1%
+6.5% YoY-7.0% QoQ
|
+2.7% | 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)