BlastPoint's Credit Union Scorecard
ST. MARY PARISH SCHOOL EMP.
Charter #22417 · LA
<100M
2508 CUs in <100M nationally
107 in LA
ST. MARY PARISH SCHOOL EMP. has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.40% above tier average
- + Net Interest Margin 1.57% above tier average
Key Concerns
Areas that may need attention
- - Average Member Relationship (AMR): Bottom 2.0% in tier
- - Total Assets: Bottom 2.7% in tier
- - Total Deposits: Bottom 2.7% in tier
- - Total Loans: Bottom 2.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.8% in tier
- - Total Members: Bottom 6.9% in tier
- - Asset Growth Rate: Bottom 7.5% in tier
- - Fee Income Per Member: Bottom 7.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
266
-1.5% YoY0% QoQ
|
-2.4K |
2,676
+1.6% YoY
|
9,512
+2.6% YoY
|
33,913
+5.7% YoY
|
Bottom 6.8% in tier |
| Assets |
$445,488
-8.1% YoY-5.7% QoQ
|
$-29.7M |
$30.2M
+1.3% YoY
|
$128.1M
+5.9% YoY
|
$578.3M
+9.0% YoY
|
Bottom 2.6% in tier |
| Loans |
$99,692
+4.6% YoY-27.3% QoQ
|
$-15.2M |
$15.3M
-2.0% YoY
|
$89.6M
+5.7% YoY
|
$402.4M
+8.7% YoY
|
Bottom 2.7% in tier |
| Deposits |
$340,558
-4.5% YoY+0.4% QoQ
|
$-25.4M |
$25.8M
+0.7% YoY
|
$109.6M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 2.7% in tier |
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| ROA |
0.5%
-16.1% YoY-58.2% QoQ
|
+0.4% |
0.1%
-77.6% YoY
|
0.1%
-79.1% YoY
|
0.4%
-39.2% YoY
|
47% |
| NIM |
5.6%
+8.6% YoY+11.6% QoQ
|
+1.6% |
4.0%
+4.0% YoY
|
4.2%
-0.4% YoY
|
3.8%
+4.1% YoY
|
Top 5.9% in tier |
| Efficiency Ratio |
90.3%
+3.3% YoY+18.3% QoQ
|
-0.3% |
90.6%
+6.5% YoY
|
88.0%
+2.9% YoY
|
84.6%
+2.8% YoY
|
70% |
| Delinquency Rate |
1.1%
-74.0% YoY-41.3% QoQ
|
-0.4 |
1.5%
+3.8% YoY
|
1.7%
-21.7% YoY
|
1.2%
+3.4% YoY
|
66% |
| Loan To Share |
29.3%
+9.5% YoY-27.5% QoQ
|
-29.2% |
58.5%
-3.0% YoY
|
68.2%
-2.4% YoY
|
65.6%
-1.4% YoY
|
Bottom 11.0% in tier |
| AMR |
$1,655
-1.1% YoY-7.6% QoQ
|
$-13K |
$14,884
-1.7% YoY
|
$13,483
+2.5% YoY
|
$19,920
+1.6% YoY
|
Bottom 1.9% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 14.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
149
Net Interest Margin (NIM)
profitability
Value:
5.58%
Peer Median: 3.83%
#149 of 2508
Top 5.9% in <100M tier
353
Net Worth Ratio
risk
Value:
23.03%
Peer Median: 14.28%
#353 of 2508
Top 14.0% in <100M tier
540
Loan Growth Rate
growth
Value:
4.57%
Peer Median: -2.36%
#540 of 2508
Top 21.5% in <100M tier
Top Weaknesses (11 metrics)
2460
Average Member Relationship (AMR)
engagement
Value:
$1,655
Peer Median: $13,926
#2460 of 2508
Bottom 2.0% in <100M tier
2442
Total Assets
balance_sheet
Value:
$445,488
Peer Median: $21.86M
#2442 of 2508
Bottom 2.7% in <100M tier
2441
Total Deposits
balance_sheet
Value:
$340,558
Peer Median: $18.77M
#2441 of 2508
Bottom 2.7% in <100M tier
2440
Total Loans
balance_sheet
Value:
$99,692
Peer Median: $9.48M
#2440 of 2508
Bottom 2.8% in <100M tier
2440
Loan-to-Member Ratio (LMR)
engagement
Value:
$374.78
Peer Median: $4,923
#2440 of 2508
Bottom 2.8% in <100M tier
2337
Total Members
engagement
Value:
266
Peer Median: 1,918
#2337 of 2508
Bottom 6.9% in <100M tier
2321
Asset Growth Rate
growth
Value:
-8.07%
Peer Median: 1.30%
#2321 of 2508
Bottom 7.5% in <100M tier
2318
Fee Income Per Member
profitability
Value:
$0.83
Peer Median: $60.42
#2318 of 2508
Bottom 7.6% in <100M tier
2294
Members Per Employee (MPE)
engagement
Value:
133.000
Peer Median: 333.750
#2294 of 2508
Bottom 8.6% in <100M tier
2231
Loan-to-Share Ratio
balance_sheet
Value:
29.27%
Peer Median: 58.72%
#2231 of 2508
Bottom 11.1% in <100M tier