BlastPoint's Credit Union Scorecard

EPIC

Charter #404 · LA

100M-500M

1070 CUs in 100M-500M nationally 21 in LA

EPIC has 2 strengths but faces 8 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

+ Net Interest Margin 0.73% above tier average
+ Loan-to-Share Ratio: Top 8.0% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- ROA 0.38% below tier average
- Efficiency ratio 1.97% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Members	13,662 -4.5% YoY-0.9% QoQ	-1.5K	15,145 -2.5% YoY	9,512 +2.6% YoY	33,913 +5.7% YoY	52%
Assets	$165.8M -0.4% YoY+0.1% QoQ	$-65.9M	$231.7M +0.8% YoY	$128.1M +5.9% YoY	$578.3M +9.0% YoY	38%
Loans	$129.4M -4.8% YoY-2.1% QoQ	$-14.8M	$144.1M +0.2% YoY	$89.6M +5.7% YoY	$402.4M +8.7% YoY	54%
Deposits	$140.4M -2.1% YoY-0.4% QoQ	$-60.8M	$201.1M +0.4% YoY	$109.6M +6.0% YoY	$494.3M +9.1% YoY	36%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.3% -73.4% YoY-71.0% QoQ	-0.4%	0.7% +5.1% YoY	0.1% -79.1% YoY	0.4% -39.2% YoY	26%
NIM	4.4% +11.5% YoY+3.1% QoQ	+0.7%	3.6% +4.6% YoY	4.2% -0.4% YoY	3.8% +4.1% YoY	Top 12.7% in tier
Efficiency Ratio	80.0% +16.1% YoY+15.2% QoQ	+2.0%	78.0% -1.7% YoY	88.0% +2.9% YoY	84.6% +2.8% YoY	55%
Delinquency Rate	1.6% +26.4% YoY-35.9% QoQ	+0.8	0.8% +7.1% YoY	1.7% -21.7% YoY	1.2% +3.4% YoY	Bottom 9.2% in tier
Loan To Share	92.1% -2.8% YoY-1.7% QoQ	+21.7%	70.4% -0.4% YoY	68.2% -2.4% YoY	65.6% -1.4% YoY	Top 8.1% in tier
AMR	$19,744 +1.2% YoY-0.3% QoQ	$-5K	$24,918 +2.7% YoY	$13,483 +2.5% YoY	$19,920 +1.6% YoY	31%
CD Concentration	18.6% +3.8% YoY+0.2% QoQ	-5.7%	24.3%	14.9%	19.8%	50%
Indirect Auto %	30.1% -23.2% YoY-5.4% QoQ	+16.3%	13.8%	5.1%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Stagnation Risk

risk

#27 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -4.54%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -4.82%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 1.61%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#146 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -4.54%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Credit Quality Pressure

risk

#200 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.34% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Institutional Decline

decline

#84 of 250 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $165.79M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -4.54%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -4.82%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Indirect Auto Dependency

risk

#303 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): -0.40%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 30.05%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -4.54%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Liquidity Strain

risk

#171 of 183 • Bottom 50.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 92.15%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): -4.82%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | Rank worsening

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 1070 peers in tier

Top Strengths (4 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 92.15%

Peer Median: 71.88%

#87 of 1070 Top 8.0% in 100M-500M tier

112

Fee Income Per Member

profitability

Value: $251.86

Peer Median: $154.95

#112 of 1070 Top 10.4% in 100M-500M tier

136

Net Interest Margin (NIM)

profitability

Value: 4.36%

Peer Median: 3.62%

#136 of 1070 Top 12.6% in 100M-500M tier

191

Net Worth Ratio

risk

Value: 14.41%

Peer Median: 11.45%

#191 of 1070 Top 17.8% in 100M-500M tier

Top Weaknesses (8 metrics)

973

Total Delinquency Rate (60+ days)

risk

Value: 1.61%

Peer Median: 0.61%

#973 of 1070 Bottom 9.2% in 100M-500M tier

972

Deposit Growth Rate

growth

Value: -2.12%

Peer Median: 3.30%

#972 of 1070 Bottom 9.3% in 100M-500M tier

951

Loan Growth Rate

growth

Value: -4.82%

Peer Median: 2.93%

#951 of 1070 Bottom 11.2% in 100M-500M tier

947

Member Growth Rate

growth

Value: -4.54%

Peer Median: -0.06%

#947 of 1070 Bottom 11.6% in 100M-500M tier

943

Net Charge-Off Rate

risk

Value: 0.99%

Peer Median: 0.35%

#943 of 1070 Bottom 12.0% in 100M-500M tier

921

Members Per Employee (MPE)

engagement

Value: 235.552

Peer Median: 309.176

#921 of 1070 Bottom 14.0% in 100M-500M tier

910

Asset Growth Rate

growth

Value: -0.40%

Peer Median: 3.91%

#910 of 1070 Bottom 15.0% in 100M-500M tier

908

Indirect Auto Concentration (%)

balance_sheet

Value: 30.05%

Peer Median: 6.61%

#908 of 1070 Bottom 15.2% in 100M-500M tier