BlastPoint's Credit Union Scorecard

EPIC

Charter #404 · LA

1077 CUs in 100M-500M nationally 22 in LA

EPIC has 5 strengths but faces 9 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

+ Profitability Leader: Top 34.2% in tier
+ ROA 0.80% above tier average
+ Net Interest Margin 0.57% above tier average
+ Fee Income Per Member: Top 2.6% in tier
+ Loan-to-Share Ratio: Top 7.4% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 3.2% in tier
- Credit Quality Pressure: Bottom 5.6% in tier
- Membership Headwinds: Bottom 10.4% in tier
- Institutional Decline: Bottom 15.8% in tier
- Indirect Auto Dependency: Bottom 16.5% in tier
- Liquidity Strain: Bottom 24.5% in tier
- Delinquency rate 1.27% above tier average
- Member decline: -3.9% YoY
- Total Delinquency Rate (60+ days): Bottom 5.2% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Members	14,050 -3.9% YoY-1.2% QoQ	-1.6K	15,628 -3.4% YoY	9,352 +2.6% YoY	33,089 +6.1% YoY	52%
Assets	$163.8M -0.3% YoY-1.9% QoQ	$-67.5M	$231.3M -0.0% YoY	$121.4M +4.9% YoY	$547.7M +7.8% YoY	37%
Loans	$131.7M -4.2% YoY-2.0% QoQ	$-16.1M	$147.8M -1.4% YoY	$86.9M +5.1% YoY	$388.7M +8.6% YoY	54%
Deposits	$138.8M -0.8% YoY-2.6% QoQ	$-61.5M	$200.3M -0.0% YoY	$103.9M +6.5% YoY	$464.6M +9.3% 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	1.6% +86.7% YoY-25.0% QoQ	+0.8%	0.8% +15.5% YoY	0.5% +1.1% YoY	0.7% +273.4% YoY	Top 9.5% in tier
NIM	4.2% +8.7% YoY+3.0% QoQ	+0.6%	3.6% +6.9% YoY	4.3% +3.2% YoY	3.7% +5.0% YoY	81%
Efficiency Ratio	66.6% -14.8% YoY+6.4% QoQ	-10.7%	77.3% -3.0% YoY	82.9% -3.6% YoY	79.1% -3.3% YoY	17%
Delinquency Rate	2.1% +31.1% YoY+15.6% QoQ	+1.3	0.9% +7.6% YoY	1.8% -12.2% YoY	1.2% -0.9% YoY	Top 5.2% in tier
Loan To Share	94.9% -3.4% YoY+0.7% QoQ	+22.2%	72.7% -1.5% YoY	70.9% -2.6% YoY	68.0% -1.7% YoY	Top 7.5% in tier
AMR	$19,254 +1.4% YoY-1.1% QoQ	$-5K	$24,363 +2.9% YoY	$13,297 +2.9% YoY	$19,418 +1.3% YoY	30%
CD Concentration	17.5% +8.0% YoY-1.9% QoQ	-7.0%	24.4% +4.2% YoY	15.0% +9.1% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	34.6% -16.9% YoY-7.5% QoQ	+20.7%	14.0% -5.7% YoY	5.3% +10.6% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Profitability Leader

growth

#117 of 340 • Top 34.2% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.59%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.74% points

(Tier: 0.11% points, National: 0.05% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Concerns (6)

Stagnation Risk

risk

#53 of 550 • Bottom 3.2% 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): -3.91%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -4.23%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 2.13%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Credit Quality Pressure

risk

#140 of 736 • Bottom 5.6% in tier

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

Why This Signature

Delinquency Change (YoY): 0.51% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Membership Headwinds

decline

#172 of 550 • Bottom 10.4% in tier

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

Why This Signature

Member Growth (YoY): -3.91%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Institutional Decline

decline

#125 of 256 • Bottom 15.8% in tier

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

Why This Signature

Total Assets: $163.76M

(Tier: $331.87M, National: $547.69M)

worse than tier avg

Member Growth (YoY): -3.91%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -4.23%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 1077 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#266 of 525 • Bottom 16.5% in tier

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

Why This Signature

Asset Growth (YoY): -0.32%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 34.64%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -3.91%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

Liquidity Strain

risk

#191 of 258 • Bottom 24.5% in tier

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

Why This Signature

Loan-to-Share Ratio: 94.92%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): -4.23%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 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 1077 peers in tier

Top Strengths (6 metrics)

Fee Income Per Member

profitability

Value: $347.00

Peer Avg: -

#29 of 1077 Top 2.6% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 94.92%

Peer Avg: -

#81 of 1077 Top 7.4% in 100M-500M tier

102

Return on Assets (ROA)

profitability

Value: 1.59%

Peer Avg: -

#102 of 1077 Top 9.4% in 100M-500M tier

186

Efficiency Ratio

profitability

Value: 66.57%

Peer Avg: -

#186 of 1077 Top 17.2% in 100M-500M tier

195

Net Worth Ratio

risk

Value: 14.49%

Peer Avg: -

#195 of 1077 Top 18.0% in 100M-500M tier

204

Net Interest Margin (NIM)

profitability

Value: 4.16%

Peer Avg: -

#204 of 1077 Top 18.8% in 100M-500M tier

Top Weaknesses (8 metrics)

1022

Total Delinquency Rate (60+ days)

risk

Value: 2.13%

Peer Avg: -

#1022 of 1077 Bottom 5.2% in 100M-500M tier

943

Indirect Auto Concentration (%)

balance_sheet

Value: 34.64%

Peer Avg: -

#943 of 1077 Bottom 12.5% in 100M-500M tier

934

Deposit Growth Rate

growth

Value: -0.85%

Peer Avg: -

#934 of 1077 Bottom 13.4% in 100M-500M tier

931

Member Growth Rate

growth

Value: -3.91%

Peer Avg: -

#931 of 1077 Bottom 13.6% in 100M-500M tier

910

Loan Growth Rate

growth

Value: -4.23%

Peer Avg: -

#910 of 1077 Bottom 15.6% in 100M-500M tier

893

Asset Growth Rate

growth

Value: -0.32%

Peer Avg: -

#893 of 1077 Bottom 17.2% in 100M-500M tier

880

Members Per Employee (MPE)

engagement

Value: 250.893

Peer Avg: -

#880 of 1077 Bottom 18.4% in 100M-500M tier

858

Net Charge-Off Rate

risk

Value: 0.69%

Peer Avg: -

#858 of 1077 Bottom 20.4% in 100M-500M tier