BlastPoint's Credit Union Scorecard
FIRST PIONEERS
Charter #24783 · LA
FIRST PIONEERS has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Fee Income Per Member: Top 3.2% in tier
- + Total Members: Top 6.4% in tier
- + Total Loans: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.35% below tier average
- - Efficiency ratio 5.92% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,724
+1.4% YoY-0.7% QoQ
|
+4.1K |
2,615
-1.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
Top 6.5% in tier |
| Assets |
$59.8M
+3.5% YoY+1.6% QoQ
|
+$29.7M |
$30.1M
+2.1% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
83% |
| Loans |
$40.8M
+2.5% YoY-2.5% QoQ
|
+$25.0M |
$15.8M
-1.3% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
Top 9.9% in tier |
| Deposits |
$54.0M
+5.3% YoY+2.9% QoQ
|
+$28.4M |
$25.7M
+1.4% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
84% |
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| ROA |
0.3%
-209.9% YoY+73.8% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
29% |
| NIM |
3.7%
+16.0% YoY+1.2% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
42% |
| Efficiency Ratio |
88.5%
-13.0% YoY-1.2% QoQ
|
+5.9% |
82.6%
-2.3% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
72% |
| Delinquency Rate |
1.2%
-10.0% YoY+32.4% QoQ
|
-0.4 |
1.6%
-3.1% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
65% |
| Loan To Share |
75.5%
-2.6% YoY-5.2% QoQ
|
+14.9% |
60.6%
-3.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
72% |
| AMR |
$14,105
+2.6% YoY+1.2% QoQ
|
$-678 |
$14,783
-1.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
52% |
| CD Concentration |
32.3%
+17.6% YoY+7.1% QoQ
|
+7.9% | 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)