BlastPoint's Credit Union Scorecard
WEST MONROE
Charter #22527 · LA
WEST MONROE has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 7.95% below tier average
- - Efficiency ratio 229.08% above tier (higher cost structure)
- - Delinquency rate 2.47% above tier average
- - Member decline: -6.4% YoY
- - Share Certificate Concentration (%): Bottom 0.7% in tier
- - Net Worth Ratio: Bottom 0.8% in tier
- - Asset Growth Rate: Bottom 6.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
407
-6.4% YoY-3.1% QoQ
|
-2.2K |
2,625
-2.2% YoY
|
9,352
+2.6% YoY
|
33,089
+6.1% YoY
|
Bottom 11.4% in tier |
| Assets |
$3.9M
-8.9% YoY-2.1% QoQ
|
$-25.9M |
$29.9M
+1.1% YoY
|
$121.4M
+4.9% YoY
|
$547.7M
+7.8% YoY
|
16% |
| Loans |
$2.7M
-1.0% YoY-1.7% QoQ
|
$-13.0M |
$15.8M
-2.4% YoY
|
$86.9M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
22% |
| Deposits |
$3.7M
-2.5% YoY-1.6% QoQ
|
$-21.8M |
$25.5M
+0.4% YoY
|
$103.9M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
18% |
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| ROA |
-7.3%
+266.1% YoY-25.5% QoQ
|
-8.0% |
0.7%
-731.4% YoY
|
0.5%
+1.1% YoY
|
0.7%
+273.4% YoY
|
Bottom 0.7% in tier |
| NIM |
3.2%
+7.2% YoY-5.7% QoQ
|
-0.7% |
3.9%
+3.8% YoY
|
4.3%
+3.2% YoY
|
3.7%
+5.0% YoY
|
25% |
| Efficiency Ratio |
310.5%
+90.1% YoY-16.4% QoQ
|
+229.1% |
81.4%
-2.4% YoY
|
82.9%
-3.6% YoY
|
79.1%
-3.3% YoY
|
Top 0.6% in tier |
| Delinquency Rate |
4.0%
+340.3% YoY+157.4% QoQ
|
+2.5 |
1.5%
-2.0% YoY
|
1.8%
-12.2% YoY
|
1.2%
-0.9% YoY
|
Top 8.3% in tier |
| Loan To Share |
74.3%
+1.5% YoY-0.0% QoQ
|
+13.1% |
61.2%
-3.0% YoY
|
70.9%
-2.6% YoY
|
68.0%
-1.7% YoY
|
69% |
| AMR |
$15,759
+4.8% YoY+1.5% QoQ
|
+$1K |
$14,627
-2.7% YoY
|
$13,297
+2.9% YoY
|
$19,418
+1.3% YoY
|
61% |
| CD Concentration |
69.1%
-1.9% YoY+0.6% QoQ
|
+44.7% |
24.4%
+4.2% YoY
|
15.0%
+9.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.3%
+10.6% YoY
|
7.9%
-2.9% YoY
|
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)