BlastPoint's Credit Union Scorecard
EAGLE LOUISIANA
Charter #24661 · LA
EAGLE LOUISIANA has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 50.0% in tier
- + Net Interest Margin 1.23% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - ROA 0.22% below tier average
- - Efficiency ratio 3.88% above tier (higher cost structure)
- - Average Member Relationship (AMR): Bottom 5.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
15,345
+3.4% YoY+0.5% QoQ
|
-92 |
15,437
-2.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
59% |
| Assets |
$125.2M
+1.9% YoY+1.0% QoQ
|
$-106.7M |
$231.9M
+1.3% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
17% |
| Loans |
$97.9M
+2.5% YoY+0.2% QoQ
|
$-49.4M |
$147.3M
-0.1% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
34% |
| Deposits |
$112.6M
+1.9% YoY+0.8% QoQ
|
$-88.2M |
$200.8M
+0.8% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
20% |
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| ROA |
0.5%
-9.3% YoY+69.3% QoQ
|
-0.2% |
0.8%
+18.2% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
35% |
| NIM |
4.8%
+6.4% YoY+1.8% QoQ
|
+1.2% |
3.6%
+6.7% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
Top 4.3% in tier |
| Efficiency Ratio |
80.9%
+0.0% YoY-4.4% QoQ
|
+3.9% |
77.0%
-3.1% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
63% |
| Delinquency Rate |
0.3%
-60.2% YoY-22.4% QoQ
|
-0.6 |
0.9%
+4.2% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
Top 14.9% in tier |
| Loan To Share |
87.0%
+0.5% YoY-0.6% QoQ
|
+14.8% |
72.2%
-1.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
79% |
| AMR |
$13,720
-1.1% YoY+0.1% QoQ
|
$-11K |
$24,676
+3.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
Bottom 5.4% in tier |
| CD Concentration |
31.9%
-0.5% YoY-0.3% QoQ
|
+7.5% | 24.4% | 15.2% | 19.8% | 50% |
| Indirect Auto % |
34.9%
-6.2% YoY-0.6% QoQ
|
+21.1% | 13.8% | 5.0% | 7.8% | 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 (3)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)