BlastPoint's Credit Union Scorecard
EAGLE LOUISIANA
Charter #24661 · LA
EAGLE LOUISIANA has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 50.0% in tier
- + ROA 0.16% above tier average
- + Net Interest Margin 1.22% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Efficiency ratio 1.09% above tier (higher cost structure)
- - Average Member Relationship (AMR): Bottom 4.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
15,405
+3.0% YoY+0.4% QoQ
|
+259 |
15,145
-2.5% YoY
|
9,512
+2.6% YoY
|
33,913
+5.7% YoY
|
60% |
| Assets |
$126.3M
+1.2% YoY+0.9% QoQ
|
$-105.4M |
$231.7M
+0.8% YoY
|
$128.1M
+5.9% YoY
|
$578.3M
+9.0% YoY
|
18% |
| Loans |
$96.6M
+2.8% YoY-1.3% QoQ
|
$-47.5M |
$144.1M
+0.2% YoY
|
$89.6M
+5.7% YoY
|
$402.4M
+8.7% YoY
|
35% |
| Deposits |
$114.2M
+1.2% YoY+1.4% QoQ
|
$-87.0M |
$201.1M
+0.4% YoY
|
$109.6M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
20% |
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| ROA |
0.9%
+80.4% YoY+63.8% QoQ
|
+0.2% |
0.7%
+5.1% YoY
|
0.1%
-79.1% YoY
|
0.4%
-39.2% YoY
|
63% |
| NIM |
4.8%
+6.9% YoY+0.3% QoQ
|
+1.2% |
3.6%
+4.6% YoY
|
4.2%
-0.4% YoY
|
3.8%
+4.1% YoY
|
Top 4.1% in tier |
| Efficiency Ratio |
79.1%
-2.4% YoY-2.2% QoQ
|
+1.1% |
78.0%
-1.7% YoY
|
88.0%
+2.9% YoY
|
84.6%
+2.8% YoY
|
51% |
| Delinquency Rate |
0.3%
-51.9% YoY+1.1% QoQ
|
-0.5 |
0.8%
+7.1% YoY
|
1.7%
-21.7% YoY
|
1.2%
+3.4% YoY
|
21% |
| Loan To Share |
84.7%
+1.6% YoY-2.7% QoQ
|
+14.2% |
70.4%
-0.4% YoY
|
68.2%
-2.4% YoY
|
65.6%
-1.4% YoY
|
78% |
| AMR |
$13,685
-1.0% YoY-0.3% QoQ
|
$-11K |
$24,918
+2.7% YoY
|
$13,483
+2.5% YoY
|
$19,920
+1.6% YoY
|
Bottom 4.8% in tier |
| CD Concentration |
33.1%
+5.6% YoY+3.8% QoQ
|
+8.8% | 24.3% | 14.9% | 19.8% | 50% |
| Indirect Auto % |
34.4%
-5.2% YoY-1.4% QoQ
|
+20.6% | 13.8% | 5.1% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)