BlastPoint's Credit Union Scorecard

XPLORE

Charter #23017 · LA

1069 CUs in 100M-500M nationally 21 in LA

XPLORE has 2 strengths but faces 10 concerns

National Analysis

How does the industry compare?

LA Analysis

How does LA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.04% above tier average
+ Fee Income Per Member: Top 3.7% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 2.6% in tier
- Credit Quality Pressure: Bottom 72.9% in tier
- Membership Headwinds: Bottom 79.2% in tier
- Stagnation Risk: Bottom 87.9% in tier
- Credit Risk Growth: Bottom 93.0% in tier
- Liquidity Strain: Bottom 96.0% in tier
- ROA 0.45% below tier average
- Efficiency ratio 11.51% above tier (higher cost structure)
- Members Per Employee (MPE): Bottom 3.0% in tier
- Asset Growth Rate: Bottom 5.5% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Members	7,821 -1.3% YoY-0.7% QoQ	-7.6K	15,437 -2.9% YoY	9,309 +1.0% YoY	33,374 +5.7% YoY	15%
Assets	$146.9M -3.0% YoY+0.6% QoQ	$-84.9M	$231.9M +1.3% YoY	$122.7M +4.8% YoY	$561.6M +9.7% YoY	30%
Loans	$106.0M +1.3% YoY-0.6% QoQ	$-41.4M	$147.3M -0.1% YoY	$87.2M +3.5% YoY	$397.0M +8.8% YoY	38%
Deposits	$117.2M +2.5% YoY+0.6% QoQ	$-83.6M	$200.8M +0.8% YoY	$104.9M +5.6% YoY	$477.3M +9.7% YoY	22%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.3% -1.7% YoY-4.8% QoQ	-0.4%	0.8% +18.2% YoY	0.3% +12.6% YoY	0.7% +15.9% YoY	19%
NIM	3.6% +17.0% YoY+1.1% QoQ	+0.0%	3.6% +6.7% YoY	4.2% +2.9% YoY	3.8% +5.1% YoY	52%
Efficiency Ratio	88.5% -0.1% YoY-0.7% QoQ	+11.5%	77.0% -3.1% YoY	85.6% -13.2% YoY	79.7% -3.3% YoY	Top 12.8% in tier
Delinquency Rate	0.3% +60.9% YoY+2.3% QoQ	-0.6	0.9% +4.2% YoY	1.9% -8.2% YoY	1.3% -2.1% YoY	Bottom 13.1% in tier
Loan To Share	90.4% -1.1% YoY-1.1% QoQ	+18.2%	72.2% -1.1% YoY	71.2% -2.0% YoY	67.4% -1.7% YoY	Top 13.1% in tier
AMR	$28,535 +3.3% YoY+0.7% QoQ	+$4K	$24,676 +3.4% YoY	$13,375 +3.1% YoY	$19,687 +2.0% YoY	77%
CD Concentration	19.2% -2.3% YoY+0.9% QoQ	-5.3%	24.4%	15.2%	19.8%	50%
Indirect Auto %	0.5% -31.5% YoY-7.8% QoQ	-13.3%	13.8%	5.0%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Efficiency Drag

risk

#15 of 538 • Bottom 2.6% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 88.52%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.01% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -1.32%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Credit Quality Pressure

risk

#514 of 705 • Bottom 72.9% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.10% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Membership Headwinds

decline

#439 of 554 • Bottom 79.2% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.32%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#487 of 554 • Bottom 87.9% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.32%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 1.33%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.26%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Credit Risk Growth

risk

#424 of 456 • Bottom 93.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 1.33%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.10% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Liquidity Strain

risk

#219 of 228 • Bottom 96.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 90.42%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 1.33%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (5 metrics)

Fee Income Per Member

profitability

Value: $317.05

Peer Median: -

#41 of 1069 Top 3.7% in 100M-500M tier

140

Loan-to-Share Ratio

balance_sheet

Value: 90.42%

Peer Median: -

#140 of 1069 Top 13.0% in 100M-500M tier

141

Total Delinquency Rate (60+ days)

risk

Value: 0.26%

Peer Median: -

#141 of 1069 Top 13.1% in 100M-500M tier

172

Loan-to-Member Ratio (LMR)

engagement

Value: $13,550

Peer Median: -

#172 of 1069 Top 16.0% in 100M-500M tier

247

Average Member Relationship (AMR)

engagement

Value: $28,535

Peer Median: -

#247 of 1069 Top 23.0% in 100M-500M tier

Top Weaknesses (7 metrics)

1038

Members Per Employee (MPE)

engagement

Value: 190.756

Peer Median: -

#1038 of 1069 Bottom 3.0% in 100M-500M tier

1011

Asset Growth Rate

growth

Value: -3.03%

Peer Median: -

#1011 of 1069 Bottom 5.5% in 100M-500M tier

946

First Mortgage Concentration (%)

balance_sheet

Value: 52.38%

Peer Median: -

#946 of 1069 Bottom 11.6% in 100M-500M tier

933

Efficiency Ratio

profitability

Value: 88.52%

Peer Median: -

#933 of 1069 Bottom 12.8% in 100M-500M tier

903

Total Members

engagement

Value: 7,821

Peer Median: -

#903 of 1069 Bottom 15.6% in 100M-500M tier

870

Return on Assets (ROA)

profitability

Value: 0.32%

Peer Median: -

#870 of 1069 Bottom 18.7% in 100M-500M tier

829

Total Deposits

balance_sheet

Value: $117.20M

Peer Median: -

#829 of 1069 Bottom 22.5% in 100M-500M tier