BlastPoint's Credit Union Scorecard
RICHLAND PARISH SCHOOLS
Charter #22785 · LA
2556 CUs in <100M nationally
109 in LA
RICHLAND PARISH SCHOOLS has 6 strengths but faces 13 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.38% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 6.4% in tier
- + AMR Growth Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 2.50% below tier average
- - Delinquency rate 2.98% above tier average
- - Member decline: -5.7% YoY
- - Net Charge-Off Rate: Bottom 1.8% in tier
- - Total Members: Bottom 2.4% in tier
- - Total Deposits: Bottom 3.4% in tier
- - Total Assets: Bottom 3.5% in tier
- - Total Loans: Bottom 4.1% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.1% in tier
- - Average Member Relationship (AMR): Bottom 7.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.4% in tier
- - Members Per Employee (MPE): Bottom 8.5% in tier
- - Fee Income Per Member: Bottom 9.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
132
-5.7% YoY-2.2% QoQ
|
-2.5K |
2,615
-1.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
Bottom 2.3% in tier |
| Assets |
$591,686
+2.3% YoY+4.4% QoQ
|
$-29.6M |
$30.1M
+2.1% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
Bottom 3.5% in tier |
| Loans |
$194,099
+2.0% YoY-7.2% QoQ
|
$-15.6M |
$15.8M
-1.3% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 4.1% in tier |
| Deposits |
$415,193
+6.0% YoY+10.9% QoQ
|
$-25.3M |
$25.7M
+1.4% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 3.4% in tier |
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| ROA |
-1.9%
+67.3% YoY-250.0% QoQ
|
-2.5% |
0.6%
+10.8% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
Bottom 3.3% in tier |
| NIM |
5.3%
+0.0% YoY+1.3% QoQ
|
+1.4% |
4.0%
+4.0% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
Top 8.8% in tier |
| Efficiency Ratio |
74.3%
+2.1% YoY-3.6% QoQ
|
-8.3% |
82.6%
-2.3% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
37% |
| Delinquency Rate |
4.5%
+826.0% YoY-26.3% QoQ
|
+3.0 |
1.6%
-3.1% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
Top 7.1% in tier |
| Loan To Share |
46.7%
-3.7% YoY-16.3% QoQ
|
-13.9% |
60.6%
-3.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
29% |
| AMR |
$4,616
+11.1% YoY+6.8% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
Bottom 7.8% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 15.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.0% | 7.8% | 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 (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
164
Net Worth Ratio
risk
Value:
29.36%
Peer Median: -
#164 of 2556
Top 6.4% in <100M tier
209
AMR Growth Rate
growth
Value:
11.06%
Peer Median: -
#209 of 2556
Top 8.1% in <100M tier
225
Net Interest Margin (NIM)
profitability
Value:
5.33%
Peer Median: -
#225 of 2556
Top 8.8% in <100M tier
521
Deposit Growth Rate
growth
Value:
6.00%
Peer Median: -
#521 of 2556
Top 20.3% in <100M tier
Top Weaknesses (12 metrics)
2512
Net Charge-Off Rate
risk
Value:
4.85%
Peer Median: -
#2512 of 2556
Bottom 1.8% in <100M tier
2496
Total Members
engagement
Value:
132
Peer Median: -
#2496 of 2556
Bottom 2.4% in <100M tier
2471
Return on Assets (ROA)
profitability
Value:
-1.88%
Peer Median: -
#2471 of 2556
Bottom 3.4% in <100M tier
2469
Total Deposits
balance_sheet
Value:
$415,193
Peer Median: -
#2469 of 2556
Bottom 3.4% in <100M tier
2467
Total Assets
balance_sheet
Value:
$591,686
Peer Median: -
#2467 of 2556
Bottom 3.5% in <100M tier
2451
Total Loans
balance_sheet
Value:
$194,099
Peer Median: -
#2451 of 2556
Bottom 4.1% in <100M tier
2375
Total Delinquency Rate (60+ days)
risk
Value:
4.54%
Peer Median: -
#2375 of 2556
Bottom 7.1% in <100M tier
2356
Average Member Relationship (AMR)
engagement
Value:
$4,616
Peer Median: -
#2356 of 2556
Bottom 7.9% in <100M tier
2342
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,470
Peer Median: -
#2342 of 2556
Bottom 8.4% in <100M tier
2339
Members Per Employee (MPE)
engagement
Value:
132.000
Peer Median: -
#2339 of 2556
Bottom 8.5% in <100M tier