BlastPoint's Credit Union Scorecard
IBERIA PARISH
Charter #4416 · LA
<100M
2508 CUs in <100M nationally
107 in LA
IBERIA PARISH has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 5.28% above tier average
- + Strong member growth: 7.1% YoY
- + Net Worth Ratio: Top 2.4% in tier
- + Member Growth Rate: Top 4.9% in tier
Key Concerns
Areas that may need attention
- - ROA 14.76% below tier average
- - Efficiency ratio 163.45% above tier (higher cost structure)
- - Delinquency rate 5.38% above tier average
- - Average Member Relationship (AMR): Bottom 0.8% in tier
- - Total Deposits: Bottom 1.0% in tier
- - Total Assets: Bottom 1.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.2% in tier
- - Total Loans: Bottom 2.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
271
+7.1% YoY+10.6% QoQ
|
-2.4K |
2,676
+1.6% YoY
|
9,512
+2.6% YoY
|
33,913
+5.7% YoY
|
Bottom 7.0% in tier |
| Assets |
$202,065
-8.9% YoY-1.8% QoQ
|
$-30.0M |
$30.2M
+1.3% YoY
|
$128.1M
+5.9% YoY
|
$578.3M
+9.0% YoY
|
Bottom 1.1% in tier |
| Loans |
$83,250
-11.3% YoY-6.4% QoQ
|
$-15.2M |
$15.3M
-2.0% YoY
|
$89.6M
+5.7% YoY
|
$402.4M
+8.7% YoY
|
Bottom 2.6% in tier |
| Deposits |
$139,216
-4.1% YoY+2.8% QoQ
|
$-25.6M |
$25.8M
+0.7% YoY
|
$109.6M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 1.0% in tier |
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| ROA |
-14.6%
+27.7% YoY+99.6% QoQ
|
-14.8% |
0.1%
-77.6% YoY
|
0.1%
-79.1% YoY
|
0.4%
-39.2% YoY
|
Bottom 0.7% in tier |
| NIM |
9.3%
+38.4% YoY+28.0% QoQ
|
+5.3% |
4.0%
+4.0% YoY
|
4.2%
-0.4% YoY
|
3.8%
+4.1% YoY
|
Top 0.4% in tier |
| Efficiency Ratio |
254.1%
-3.5% YoY+29.5% QoQ
|
+163.4% |
90.6%
+6.5% YoY
|
88.0%
+2.9% YoY
|
84.6%
+2.8% YoY
|
Bottom 1.1% in tier |
| Delinquency Rate |
6.9%
-66.7% YoY+52.5% QoQ
|
+5.4 |
1.5%
+3.8% YoY
|
1.7%
-21.7% YoY
|
1.2%
+3.4% YoY
|
Bottom 3.8% in tier |
| Loan To Share |
59.8%
-7.6% YoY-8.9% QoQ
|
+1.3% |
58.5%
-3.0% YoY
|
68.2%
-2.4% YoY
|
65.6%
-1.4% YoY
|
52% |
| AMR |
$820.9
-13.1% YoY-10.3% QoQ
|
$-14K |
$14,884
-1.7% YoY
|
$13,483
+2.5% YoY
|
$19,920
+1.6% YoY
|
Bottom 0.8% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 14.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
11
Net Interest Margin (NIM)
profitability
Value:
9.29%
Peer Median: 3.83%
#11 of 2508
Top 0.4% in <100M tier
62
Net Worth Ratio
risk
Value:
38.62%
Peer Median: 14.28%
#62 of 2508
Top 2.4% in <100M tier
124
Member Growth Rate
growth
Value:
7.11%
Peer Median: -1.37%
#124 of 2508
Top 4.9% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (14 metrics)
2491
Return on Assets (ROA)
profitability
Value:
-14.61%
Peer Median: 0.61%
#2491 of 2508
Bottom 0.7% in <100M tier
2489
Average Member Relationship (AMR)
engagement
Value:
$820.91
Peer Median: $13,926
#2489 of 2508
Bottom 0.8% in <100M tier
2483
Total Deposits
balance_sheet
Value:
$139,216
Peer Median: $18.77M
#2483 of 2508
Bottom 1.0% in <100M tier
2482
Efficiency Ratio
profitability
Value:
254.08%
Peer Median: 81.45%
#2482 of 2508
Bottom 1.1% in <100M tier
2480
Total Assets
balance_sheet
Value:
$202,065
Peer Median: $21.86M
#2480 of 2508
Bottom 1.2% in <100M tier
2453
Loan-to-Member Ratio (LMR)
engagement
Value:
$307.20
Peer Median: $4,923
#2453 of 2508
Bottom 2.2% in <100M tier
2443
Total Loans
balance_sheet
Value:
$83,250
Peer Median: $9.48M
#2443 of 2508
Bottom 2.6% in <100M tier
2413
Total Delinquency Rate (60+ days)
risk
Value:
6.88%
Peer Median: 0.65%
#2413 of 2508
Bottom 3.8% in <100M tier
2400
AMR Growth Rate
growth
Value:
-13.11%
Peer Median: 1.27%
#2400 of 2508
Bottom 4.3% in <100M tier
2352
Asset Growth Rate
growth
Value:
-8.90%
Peer Median: 1.30%
#2352 of 2508
Bottom 6.3% in <100M tier