BlastPoint's Credit Union Scorecard
GEISMAR COMPLEX
Charter #23620 · LA
GEISMAR COMPLEX demonstrates 8 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.62% above tier average
- + Deposit Growth Rate: Top 2.9% in tier
- + Asset Growth Rate: Top 2.9% in tier
- + Loan Growth Rate: Top 6.3% in tier
- + AMR Growth Rate: Top 7.1% in tier
- + Loan-to-Member Ratio (LMR): Top 7.9% in tier
- + Average Member Relationship (AMR): Top 8.6% in tier
- + Member Growth Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,522
+3.3% YoY-0.1% QoQ
|
-93 |
2,615
-1.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
60% |
| Assets |
$42.8M
+15.9% YoY+1.3% QoQ
|
+$12.7M |
$30.1M
+2.1% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
72% |
| Loans |
$25.5M
+14.4% YoY+2.1% QoQ
|
+$9.7M |
$15.8M
-1.3% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
78% |
| Deposits |
$37.1M
+16.8% YoY+1.2% QoQ
|
+$11.4M |
$25.7M
+1.4% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
73% |
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| ROA |
1.2%
-35.5% YoY-7.2% QoQ
|
+0.6% |
0.6%
+10.8% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
76% |
| NIM |
3.2%
-19.0% YoY-6.1% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
23% |
| Efficiency Ratio |
61.5%
+13.0% YoY+2.5% QoQ
|
-21.1% |
82.6%
-2.3% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
Top 13.1% in tier |
| Delinquency Rate |
0.7%
+14.8% YoY-13.1% QoQ
|
-0.8 |
1.6%
-3.1% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
51% |
| Loan To Share |
68.6%
-2.1% YoY+0.9% QoQ
|
+8.0% |
60.6%
-3.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
62% |
| AMR |
$24,803
+12.1% YoY+1.6% QoQ
|
+$10K |
$14,783
-1.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
Top 8.6% in tier |
| CD Concentration |
36.4%
+49.0% YoY+1.8% QoQ
|
+11.9% | 24.4% | 15.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.0% | 7.8% | 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)