BlastPoint's Credit Union Scorecard
RICHLAND PARISH SCHOOLS
Charter #22785 · LA
<100M
2508 CUs in <100M nationally
107 in LA
RICHLAND PARISH SCHOOLS has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 5.01% above tier average
- + Net Interest Margin 0.47% above tier average
- + Net Charge-Off Rate: Top 3.4% in tier
- + Net Worth Ratio: Top 5.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 10.94% above tier (higher cost structure)
- - Delinquency rate 4.84% above tier average
- - Member decline: -5.8% YoY
- - Total Members: Bottom 2.4% in tier
- - Total Deposits: Bottom 3.3% in tier
- - Total Assets: Bottom 3.4% in tier
- - Total Loans: Bottom 4.1% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
131
-5.8% YoY-0.8% QoQ
|
-2.5K |
2,676
+1.6% YoY
|
9,512
+2.6% YoY
|
33,913
+5.7% YoY
|
Bottom 2.3% in tier |
| Assets |
$593,446
+5.3% YoY+0.3% QoQ
|
$-29.6M |
$30.2M
+1.3% YoY
|
$128.1M
+5.9% YoY
|
$578.3M
+9.0% YoY
|
Bottom 3.4% in tier |
| Loans |
$184,115
-17.9% YoY-5.1% QoQ
|
$-15.1M |
$15.3M
-2.0% YoY
|
$89.6M
+5.7% YoY
|
$402.4M
+8.7% YoY
|
Bottom 4.0% in tier |
| Deposits |
$408,512
+8.1% YoY-1.6% QoQ
|
$-25.4M |
$25.8M
+0.7% YoY
|
$109.6M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 3.3% in tier |
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| ROA |
5.2%
+1599.2% YoY-374.6% QoQ
|
+5.0% |
0.1%
-77.6% YoY
|
0.1%
-79.1% YoY
|
0.4%
-39.2% YoY
|
Top 0.6% in tier |
| NIM |
4.5%
-6.4% YoY-16.1% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
4.2%
-0.4% YoY
|
3.8%
+4.1% YoY
|
76% |
| Efficiency Ratio |
101.6%
+13.2% YoY+36.8% QoQ
|
+10.9% |
90.6%
+6.5% YoY
|
88.0%
+2.9% YoY
|
84.6%
+2.8% YoY
|
Bottom 14.4% in tier |
| Delinquency Rate |
6.3%
+105.4% YoY+39.8% QoQ
|
+4.8 |
1.5%
+3.8% YoY
|
1.7%
-21.7% YoY
|
1.2%
+3.4% YoY
|
Bottom 4.2% in tier |
| Loan To Share |
45.1%
-24.1% YoY-3.6% QoQ
|
-13.4% |
58.5%
-3.0% YoY
|
68.2%
-2.4% YoY
|
65.6%
-1.4% YoY
|
29% |
| AMR |
$4,524
+4.4% YoY-2.0% QoQ
|
$-10K |
$14,884
-1.7% YoY
|
$13,483
+2.5% YoY
|
$19,920
+1.6% YoY
|
Bottom 7.7% 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 (9 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
16
Return on Assets (ROA)
profitability
Value:
5.15%
Peer Median: 0.61%
#16 of 2508
Top 0.6% in <100M tier
86
Net Charge-Off Rate
risk
Value:
-0.47%
Peer Median: 0.07%
#86 of 2508
Top 3.4% in <100M tier
136
Net Worth Ratio
risk
Value:
30.56%
Peer Median: 14.28%
#136 of 2508
Top 5.4% in <100M tier
312
Deposit Growth Rate
growth
Value:
8.10%
Peer Median: 0.66%
#312 of 2508
Top 12.4% in <100M tier
562
Asset Growth Rate
growth
Value:
5.32%
Peer Median: 1.30%
#562 of 2508
Top 22.4% in <100M tier
606
Net Interest Margin (NIM)
profitability
Value:
4.47%
Peer Median: 3.83%
#606 of 2508
Top 24.1% in <100M tier
Top Weaknesses (12 metrics)
2450
Total Members
engagement
Value:
131
Peer Median: 1,918
#2450 of 2508
Bottom 2.4% in <100M tier
2425
Total Deposits
balance_sheet
Value:
$408,512
Peer Median: $18.77M
#2425 of 2508
Bottom 3.3% in <100M tier
2423
Total Assets
balance_sheet
Value:
$593,446
Peer Median: $21.86M
#2423 of 2508
Bottom 3.4% in <100M tier
2407
Total Loans
balance_sheet
Value:
$184,115
Peer Median: $9.48M
#2407 of 2508
Bottom 4.1% in <100M tier
2403
Total Delinquency Rate (60+ days)
risk
Value:
6.35%
Peer Median: 0.65%
#2403 of 2508
Bottom 4.2% in <100M tier
2316
Average Member Relationship (AMR)
engagement
Value:
$4,524
Peer Median: $13,926
#2316 of 2508
Bottom 7.7% in <100M tier
2301
Loan Growth Rate
growth
Value:
-17.95%
Peer Median: -2.36%
#2301 of 2508
Bottom 8.3% in <100M tier
2299
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,405
Peer Median: $4,923
#2299 of 2508
Bottom 8.4% in <100M tier
2298
Members Per Employee (MPE)
engagement
Value:
131.000
Peer Median: 333.750
#2298 of 2508
Bottom 8.4% in <100M tier
2284
Fee Income Per Member
profitability
Value:
$1.37
Peer Median: $60.42
#2284 of 2508
Bottom 9.0% in <100M tier