BlastPoint's Credit Union Scorecard

XPLORE

Charter #23017 · LA

100M-500M

1070 CUs in 100M-500M nationally 21 in LA

XPLORE has 1 strength but faces 8 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

+ Relationship Depth Leader: Top 50.0% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- ROA 0.67% below tier average
- Efficiency ratio 12.97% above tier (higher cost structure)
- Members Per Employee (MPE): Bottom 2.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Members	7,789 -1.8% YoY-0.4% QoQ	-7.4K	15,145 -2.5% YoY	9,512 +2.6% YoY	33,913 +5.7% YoY	16%
Assets	$151.2M +1.4% YoY+2.9% QoQ	$-80.5M	$231.7M +0.8% YoY	$128.1M +5.9% YoY	$578.3M +9.0% YoY	31%
Loans	$103.9M -1.2% YoY-2.0% QoQ	$-40.3M	$144.1M +0.2% YoY	$89.6M +5.7% YoY	$402.4M +8.7% YoY	38%
Deposits	$121.8M +1.8% YoY+3.9% QoQ	$-79.4M	$201.1M +0.4% YoY	$109.6M +6.0% YoY	$494.3M +9.1% YoY	26%

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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	0.1% -85.7% YoY-81.9% QoQ	-0.7%	0.7% +5.1% YoY	0.1% -79.1% YoY	0.4% -39.2% YoY	Bottom 10.0% in tier
NIM	3.6% +9.0% YoY-0.6% QoQ	+0.0%	3.6% +4.6% YoY	4.2% -0.4% YoY	3.8% +4.1% YoY	50%
Efficiency Ratio	91.0% +3.0% YoY+2.8% QoQ	+13.0%	78.0% -1.7% YoY	88.0% +2.9% YoY	84.6% +2.8% YoY	Bottom 13.1% in tier
Delinquency Rate	0.3% +120.1% YoY+21.0% QoQ	-0.5	0.8% +7.1% YoY	1.7% -21.7% YoY	1.2% +3.4% YoY	24%
Loan To Share	85.3% -2.9% YoY-5.6% QoQ	+14.9%	70.4% -0.4% YoY	68.2% -2.4% YoY	65.6% -1.4% YoY	79%
AMR	$28,971 +2.2% YoY+1.5% QoQ	+$4K	$24,918 +2.7% YoY	$13,483 +2.5% YoY	$19,920 +1.6% YoY	77%
CD Concentration	19.4% -0.3% YoY+1.4% QoQ	-4.8%	24.3%	14.9%	19.8%	50%
Indirect Auto %	0.4% -30.4% YoY-7.0% QoQ	-13.4%	13.8%	5.1%	7.7%	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#225 of 257 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 2.22%

(Tier: 3.74%, National: 6.36%)

but worse than tier avg

Share Draft per Member: $4.8K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | New qualifier

Concerns (5)

Efficiency Drag

risk

#188 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 90.99%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.35% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -1.77%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Credit Quality Pressure

risk

#368 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.17% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Membership Headwinds

decline

#390 of 570 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -1.77%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#405 of 570 • Bottom 50.0% 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): -1.77%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -1.15%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.32%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Institutional Decline

decline

#238 of 250 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $151.24M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -1.77%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -1.15%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

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 1070 peers in tier

Top Strengths (5 metrics)

121

Fee Income Per Member

profitability

Value: $247.06

Peer Median: $154.95

#121 of 1070 Top 11.2% in 100M-500M tier

182

Loan-to-Member Ratio (LMR)

engagement

Value: $13,338

Peer Median: $9,356

#182 of 1070 Top 16.9% in 100M-500M tier

221

Loan-to-Share Ratio

balance_sheet

Value: 85.31%

Peer Median: 71.88%

#221 of 1070 Top 20.6% in 100M-500M tier

242

Average Member Relationship (AMR)

engagement

Value: $28,971

Peer Median: $22,931

#242 of 1070 Top 22.5% in 100M-500M tier

254

Total Delinquency Rate (60+ days)

risk

Value: 0.32%

Peer Median: 0.61%

#254 of 1070 Top 23.6% in 100M-500M tier

Top Weaknesses (5 metrics)

1043

Members Per Employee (MPE)

engagement

Value: 189.976

Peer Median: 309.176

#1043 of 1070 Bottom 2.6% in 100M-500M tier

963

Return on Assets (ROA)

profitability

Value: 0.06%

Peer Median: 0.69%

#963 of 1070 Bottom 10.1% in 100M-500M tier

957

First Mortgage Concentration (%)

balance_sheet

Value: 53.07%

Peer Median: 29.47%

#957 of 1070 Bottom 10.7% in 100M-500M tier

931

Efficiency Ratio

profitability

Value: 90.99%

Peer Median: 78.68%

#931 of 1070 Bottom 13.1% in 100M-500M tier

897

Total Members

engagement

Value: 7,789

Peer Median: 13,200

#897 of 1070 Bottom 16.3% in 100M-500M tier