BlastPoint's Credit Union Scorecard

BRECO

Charter #24526 · LA

<100M

2508 CUs in <100M nationally 107 in LA

BRECO has 1 strength but faces 2 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

+ ROA 0.06% above tier average

Key Concerns

Areas that may need attention

- Efficiency ratio 0.08% above tier (higher cost structure)
- Indirect Auto Concentration (%): Bottom 4.4% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Members	5,485 +1.9% YoY+1.2% QoQ	+2.8K	2,676 +1.6% YoY	9,512 +2.6% YoY	33,913 +5.7% YoY	Top 10.9% in tier
Assets	$52.5M -0.4% YoY+4.1% QoQ	+$22.3M	$30.2M +1.3% YoY	$128.1M +5.9% YoY	$578.3M +9.0% YoY	79%
Loans	$35.8M -7.2% YoY-0.6% QoQ	+$20.5M	$15.3M -2.0% YoY	$89.6M +5.7% YoY	$402.4M +8.7% YoY	Top 12.8% in tier
Deposits	$47.1M -0.1% YoY+4.6% QoQ	+$21.3M	$25.8M +0.7% YoY	$109.6M +6.0% YoY	$494.3M +9.1% YoY	80%

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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	0.2% -293.7% YoY-166.9% QoQ	+0.1%	0.1% -77.6% YoY	0.1% -79.1% YoY	0.4% -39.2% YoY	30%
NIM	3.6% +7.9% YoY-3.8% QoQ	-0.4%	4.0% +4.0% YoY	4.2% -0.4% YoY	3.8% +4.1% YoY	42%
Efficiency Ratio	90.7% +8.4% YoY-0.1% QoQ	+0.1%	90.6% +6.5% YoY	88.0% +2.9% YoY	84.6% +2.8% YoY	70%
Delinquency Rate	1.3% -53.1% YoY-13.7% QoQ	-0.2	1.5% +3.8% YoY	1.7% -21.7% YoY	1.2% +3.4% YoY	69%
Loan To Share	76.0% -7.1% YoY-5.0% QoQ	+17.5%	58.5% -3.0% YoY	68.2% -2.4% YoY	65.6% -1.4% YoY	76%
AMR	$15,114 -5.1% YoY+1.1% QoQ	+$230	$14,884 -1.7% YoY	$13,483 +2.5% YoY	$19,920 +1.6% YoY	56%
CD Concentration	12.3% +22.1% YoY-1.4% QoQ	-12.0%	24.3%	14.9%	19.8%	50%
Indirect Auto %	26.9% +2.5% YoY+9.0% QoQ	+13.1%	13.8%	5.1%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (6 metrics)

273

Total Members

engagement

Value: 5,485

Peer Median: 1,918

#273 of 2508 Top 10.8% in <100M tier

321

Total Loans

balance_sheet

Value: $35.79M

Peer Median: $9.48M

#321 of 2508 Top 12.8% in <100M tier

435

Member Growth Rate

growth

Value: 1.91%

Peer Median: -1.37%

#435 of 2508 Top 17.3% in <100M tier

501

Total Deposits

balance_sheet

Value: $47.11M

Peer Median: $18.77M

#501 of 2508 Top 19.9% in <100M tier

536

Total Assets

balance_sheet

Value: $52.46M

Peer Median: $21.86M

#536 of 2508 Top 21.3% in <100M tier

593

Loan-to-Share Ratio

balance_sheet

Value: 75.97%

Peer Median: 58.72%

#593 of 2508 Top 23.6% in <100M tier

Top Weaknesses (4 metrics)

2398

Indirect Auto Concentration (%)

balance_sheet

Value: 26.86%

Peer Median: 0.00%

#2398 of 2508 Bottom 4.4% in <100M tier

2087

AMR Growth Rate

growth

Value: -5.09%

Peer Median: 1.27%

#2087 of 2508 Bottom 16.8% in <100M tier

2039

Net Worth Ratio

risk

Value: 10.18%

Peer Median: 14.28%

#2039 of 2508 Bottom 18.7% in <100M tier

2009

Net Charge-Off Rate

risk

Value: 0.70%

Peer Median: 0.07%

#2009 of 2508 Bottom 19.9% in <100M tier