BlastPoint's Credit Union Scorecard
XPLORE
Charter #23017 · LA
XPLORE faces 8 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - ROA 0.79% below tier average
- - Efficiency ratio 14.74% above tier (higher cost structure)
- - Member decline: -2.2% YoY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 21 that size in Louisiana.
- Shares and deposits +1.0% year over year ($118M in shares and deposits).
- Membership: 7,757 members, -2.2% vs a year ago.
- Delinquency rate 0.38%.
- Return on assets 0.08%.
- Efficiency ratio 91.47% vs a 76.73% peer average.
- Loan-to-share ratio 89.02% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,757
-2.2% YoY-0.4% QoQ
|
-7.4K |
15,168
-2.6% YoY
|
9,550
+2.7% YoY
|
34,678
+6.6% YoY
|
16% |
| Assets |
$147.1M
+0.7% YoY-2.7% QoQ
|
$-84.9M |
$232.0M
+0.7% YoY
|
$130.2M
+7.1% YoY
|
$593.1M
+10.2% YoY
|
29% |
| Loans |
$104.8M
-1.1% YoY+0.8% QoQ
|
$-41.5M |
$146.3M
+0.2% YoY
|
$92.6M
+7.3% YoY
|
$418.6M
+10.1% YoY
|
38% |
| Deposits |
$117.7M
+1.0% YoY-3.4% QoQ
|
$-83.0M |
$200.7M
+0.2% YoY
|
$111.6M
+7.6% YoY
|
$504.8M
+10.3% YoY
|
22% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.1%
-82.7% YoY+36.6% QoQ
|
-0.8% |
0.9%
+12.5% YoY
|
1.1%
+258.0% YoY
|
1.2%
+121.4% YoY
|
Bottom 2.3% in tier |
| NIM |
3.7%
+4.9% YoY+0.8% QoQ
|
+0.0% |
3.7%
+4.5% YoY
|
4.2%
-0.2% YoY
|
3.8%
+2.3% YoY
|
48% |
| Efficiency Ratio |
91.5%
+5.0% YoY+0.5% QoQ
|
+14.7% |
76.7%
-0.8% YoY
|
89.3%
+0.7% YoY
|
83.0%
-5.3% YoY
|
Bottom 8.9% in tier |
| Delinquency Rate |
0.4%
+37.2% YoY+17.3% QoQ
|
-0.5 |
0.9%
+6.6% YoY
|
2.0%
+21.9% YoY
|
1.3%
+2.6% YoY
|
26% |
| Loan To Share |
89.0%
-2.1% YoY+4.3% QoQ
|
+17.5% |
71.5%
-0.3% YoY
|
68.1%
-2.7% YoY
|
66.4%
-1.4% YoY
|
83% |
| AMR |
$28,676
+2.2% YoY-1.0% QoQ
|
+$4K |
$25,107
+3.2% YoY
|
$13,536
+2.7% YoY
|
$20,028
-0.9% YoY
|
76% |
| CD Concentration |
20.4%
+2.5% YoY+4.9% QoQ
|
-4.2% | 24.6% | 15.1% | 20.0% | 50% |
| Indirect Auto % |
0.4%
-34.7% YoY-14.7% QoQ
|
-13.3% | 13.6% | 5.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (5)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)