BlastPoint's Credit Union Scorecard

EPIC

Charter #404 · LA

100M-500M

1024 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 0.72% above tier average
+ Loan-to-Share Ratio: Top 5.1% 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
- Capital Constraint: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 21 that size in Louisiana.
Shares and deposits -3.1% year over year ($138M in shares and deposits).
Membership: 13,510 members, -5.0% vs a year ago.
Delinquency rate 2.10%.
Return on assets 0.33%.
Efficiency ratio 83.11% vs a 76.73% peer average.
Loan-to-share ratio 95.81% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Members	13,510 -5.0% YoY-1.1% QoQ	-1.7K	15,168 -2.6% YoY	9,550 +2.7% YoY	34,678 +6.6% YoY	52%
Assets	$164.5M -1.5% YoY-0.8% QoQ	$-67.5M	$232.0M +0.7% YoY	$130.2M +7.1% YoY	$593.1M +10.2% YoY	36%
Loans	$132.3M -1.5% YoY+2.3% QoQ	$-13.9M	$146.3M +0.2% YoY	$92.6M +7.3% YoY	$418.6M +10.1% YoY	54%
Deposits	$138.1M -3.1% YoY-1.6% QoQ	$-62.6M	$200.7M +0.2% YoY	$111.6M +7.6% YoY	$504.8M +10.3% YoY	35%

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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	0.3% -84.4% YoY-5.3% QoQ	-0.5%	0.9% +12.5% YoY	1.1% +258.0% YoY	1.2% +121.4% YoY	17%
NIM	4.4% +9.1% YoY+1.0% QoQ	+0.7%	3.7% +4.5% YoY	4.2% -0.2% YoY	3.8% +2.3% YoY	Top 12.9% in tier
Efficiency Ratio	83.1% +32.8% YoY+3.9% QoQ	+6.4%	76.7% -0.8% YoY	89.3% +0.7% YoY	83.0% -5.3% YoY	69%
Delinquency Rate	2.1% +14.3% YoY+30.7% QoQ	+1.2	0.9% +6.6% YoY	2.0% +21.9% YoY	1.3% +2.6% YoY	Bottom 6.4% in tier
Loan To Share	95.8% +1.6% YoY+4.0% QoQ	+24.3%	71.5% -0.3% YoY	68.1% -2.7% YoY	66.4% -1.4% YoY	Top 5.2% in tier
AMR	$20,018 +2.9% YoY+1.4% QoQ	$-5K	$25,107 +3.2% YoY	$13,536 +2.7% YoY	$20,028 -0.9% YoY	32%
CD Concentration	19.4% +8.9% YoY+4.3% QoQ	-5.2%	24.6%	15.1%	20.0%	50%
Indirect Auto %	23.3% -37.8% YoY-22.5% QoQ	+9.7%	13.6%	5.1%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (8)

Stagnation Risk

risk

#48 of 549 • 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): -5.04%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -1.52%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 2.10%

(Tier: 0.87%, National: 1.26%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Membership Headwinds

decline

#123 of 549 • 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): -5.04%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Credit Quality Pressure

risk

#284 of 693 • 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): 0.26% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Capital Constraint

risk

#11 of 19 • Bottom 50.0% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.

Why This Signature

Loan-to-Share Ratio: 95.81%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Deposit Growth (YoY): -3.07%

(Tier: 4.24%, National: 100.69%)

worse than tier avg

Net Worth Ratio: 14.60%

(Tier: 12.53%, National: 14.66%)

but better than tier avg

19 of 1024 Mid-Small & Community CUs have this signature | 27 nationally

→ Stable (23→19 CUs) -4 CUs YoY | New qualifier

Institutional Decline

decline

#130 of 230 • 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: $164.49M

(Tier: $336.17M, National: $593.11M)

worse than tier avg

Member Growth (YoY): -5.04%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -1.52%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY | Rank improving

Liquidity Strain

risk

#150 of 224 • 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: 95.81%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): -1.52%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

224 of 1024 Mid-Small & Community CUs have this signature | 432 nationally

↓ Shrinking -11 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#399 of 476 • 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): -1.46%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Indirect Auto %: 23.28%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -5.04%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | Rank worsening

Efficiency Drag

risk

#517 of 531 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 83.11%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -1.79% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): -5.04%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | New qualifier

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 1024 peers in tier

Top Strengths (4 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 95.81%

Peer Median: 73.07%

#53 of 1024 Top 5.1% in 100M-500M tier

111

Fee Income Per Member

profitability

Value: $253.85

Peer Median: $159.88

#111 of 1024 Top 10.7% in 100M-500M tier

132

Net Interest Margin (NIM)

profitability

Value: 4.40%

Peer Median: 3.67%

#132 of 1024 Top 12.8% in 100M-500M tier

200

Net Worth Ratio

risk

Value: 14.60%

Peer Median: 11.71%

#200 of 1024 Top 19.4% in 100M-500M tier

Top Weaknesses (9 metrics)

959

Total Delinquency Rate (60+ days)

risk

Value: 2.10%

Peer Median: 0.71%

#959 of 1024 Bottom 6.4% in 100M-500M tier

953

Deposit Growth Rate

growth

Value: -3.07%

Peer Median: 3.58%

#953 of 1024 Bottom 7.0% in 100M-500M tier

924

Member Growth Rate

growth

Value: -5.04%

Peer Median: -0.03%

#924 of 1024 Bottom 9.9% in 100M-500M tier

917

Asset Growth Rate

growth

Value: -1.46%

Peer Median: 4.12%

#917 of 1024 Bottom 10.5% in 100M-500M tier

886

Net Charge-Off Rate

risk

Value: 0.84%

Peer Median: 0.34%

#886 of 1024 Bottom 13.6% in 100M-500M tier

885

Members Per Employee (MPE)

engagement

Value: 232.931

Peer Median: 310.924

#885 of 1024 Bottom 13.7% in 100M-500M tier

851

Return on Assets (ROA)

profitability

Value: 0.33%

Peer Median: 0.75%

#851 of 1024 Bottom 17.0% in 100M-500M tier

788

Indirect Auto Concentration (%)

balance_sheet

Value: 23.28%

Peer Median: 6.15%

#788 of 1024 Bottom 23.1% in 100M-500M tier

784

Loan Growth Rate

growth

Value: -1.52%

Peer Median: 3.02%

#784 of 1024 Bottom 23.5% in 100M-500M tier