BlastPoint's Credit Union Scorecard
WEST MONROE
Charter #22527 · LA
WEST MONROE has 2 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 7.71% below tier average
- - Efficiency ratio 242.33% above tier (higher cost structure)
- - Delinquency rate 2.23% above tier average
- - Member decline: -6.9% YoY
- - Net Worth Ratio: Bottom 0.4% in tier
- - Share Certificate Concentration (%): Bottom 0.6% in tier
- - Asset Growth Rate: Bottom 7.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.4% in tier
- - Member Growth Rate: Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
403
-6.9% YoY-1.0% QoQ
|
-2.2K |
2,615
-1.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
Bottom 11.1% in tier |
| Assets |
$3.8M
-7.8% YoY-3.0% QoQ
|
$-26.4M |
$30.1M
+2.1% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
16% |
| Loans |
$2.7M
+0.4% YoY-2.8% QoQ
|
$-13.1M |
$15.8M
-1.3% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
22% |
| Deposits |
$3.6M
-2.5% YoY-2.5% QoQ
|
$-22.1M |
$25.7M
+1.4% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
18% |
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| ROA |
-7.1%
+120.6% YoY-2.4% QoQ
|
-7.7% |
0.6%
+10.8% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
Bottom 0.7% in tier |
| NIM |
2.9%
+0.6% YoY-8.6% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
18% |
| Efficiency Ratio |
324.9%
+67.2% YoY+4.6% QoQ
|
+242.3% |
82.6%
-2.3% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
Top 0.5% in tier |
| Delinquency Rate |
3.8%
+104.8% YoY-4.8% QoQ
|
+2.2 |
1.6%
-3.1% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
Top 9.4% in tier |
| Loan To Share |
74.0%
+2.9% YoY-0.4% QoQ
|
+13.4% |
60.6%
-3.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
70% |
| AMR |
$15,500
+6.0% YoY-1.6% QoQ
|
+$717 |
$14,783
-1.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
59% |
| CD Concentration |
71.2%
+2.4% YoY+3.1% QoQ
|
+46.8% | 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)