BlastPoint's Credit Union Scorecard
TULANE/LOYOLA
Charter #23540 · LA
TULANE/LOYOLA has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.78% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 2.46% below tier average
- - Efficiency ratio 9.11% above tier (higher cost structure)
- - Asset Growth Rate: Bottom 4.2% in tier
- - Net Charge-Off Rate: Bottom 5.4% in tier
- - Net Worth Ratio: Bottom 6.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,207
-1.8% YoY+0.3% QoQ
|
+581 |
2,625
-2.2% YoY
|
9,352
+2.6% YoY
|
33,089
+6.1% YoY
|
70% |
| Assets |
$15.5M
-11.3% YoY-2.8% QoQ
|
$-14.4M |
$29.9M
+1.1% YoY
|
$121.4M
+4.9% YoY
|
$547.7M
+7.8% YoY
|
42% |
| Loans |
$12.4M
-11.4% YoY+0.2% QoQ
|
$-3.3M |
$15.8M
-2.4% YoY
|
$86.9M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
56% |
| Deposits |
$14.1M
-4.0% YoY-2.6% QoQ
|
$-11.4M |
$25.5M
+0.4% YoY
|
$103.9M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
44% |
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| ROA |
-1.8%
+203.2% YoY-4.6% QoQ
|
-2.5% |
0.7%
-731.4% YoY
|
0.5%
+1.1% YoY
|
0.7%
+273.4% YoY
|
Bottom 3.5% in tier |
| NIM |
4.7%
+11.0% YoY+2.5% QoQ
|
+0.8% |
3.9%
+3.8% YoY
|
4.3%
+3.2% YoY
|
3.7%
+5.0% YoY
|
80% |
| Efficiency Ratio |
90.5%
-11.9% YoY+3.6% QoQ
|
+9.1% |
81.4%
-2.4% YoY
|
82.9%
-3.6% YoY
|
79.1%
-3.3% YoY
|
78% |
| Delinquency Rate |
0.9%
-58.0% YoY-33.1% QoQ
|
-0.6 |
1.5%
-2.0% YoY
|
1.8%
-12.2% YoY
|
1.2%
-0.9% YoY
|
58% |
| Loan To Share |
88.2%
-7.7% YoY+2.8% QoQ
|
+26.9% |
61.2%
-3.0% YoY
|
70.9%
-2.6% YoY
|
68.0%
-1.7% YoY
|
Top 13.0% in tier |
| AMR |
$8,269
-5.9% YoY-1.6% QoQ
|
$-6K |
$14,627
-2.7% YoY
|
$13,297
+2.9% YoY
|
$19,418
+1.3% YoY
|
21% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
15.0%
+9.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.3%
+10.6% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)