BlastPoint's Credit Union Scorecard
IBERIA PARISH
Charter #4416 · LA
2596 CUs in <100M nationally
108 in LA
IBERIA PARISH has 6 strengths but faces 14 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 4.17% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 2.9% in tier
- + AMR Growth Rate: Top 7.6% in tier
Key Concerns
Areas that may need attention
- - ROA 6.85% below tier average
- - Efficiency ratio 91.68% above tier (higher cost structure)
- - Delinquency rate 9.00% above tier average
- - Member decline: -9.2% YoY
- - Net Charge-Off Rate: Bottom 0.7% in tier
- - Average Member Relationship (AMR): Bottom 1.1% in tier
- - Total Assets: Bottom 1.2% in tier
- - Total Deposits: Bottom 1.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 2.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.8% in tier
- - Total Loans: Bottom 2.9% in tier
- - Asset Growth Rate: Bottom 5.1% in tier
- - Total Members: Bottom 6.2% in tier
- - Member Growth Rate: Bottom 6.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
246
-9.2% YoY-2.4% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
9,352
+2.6% YoY
|
33,089
+6.1% YoY
|
Bottom 6.0% in tier |
| Assets |
$210,825
-10.3% YoY-5.0% QoQ
|
$-29.6M |
$29.9M
+1.1% YoY
|
$121.4M
+4.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 1.1% in tier |
| Loans |
$88,795
+4.6% YoY-0.6% QoQ
|
$-15.7M |
$15.8M
-2.4% YoY
|
$86.9M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 2.9% in tier |
| Deposits |
$137,644
-1.0% YoY-6.0% QoQ
|
$-25.3M |
$25.5M
+0.4% YoY
|
$103.9M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 1.2% in tier |
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| ROA |
-6.2%
+272.6% YoY-15.2% QoQ
|
-6.9% |
0.7%
-731.4% YoY
|
0.5%
+1.1% YoY
|
0.7%
+273.4% YoY
|
Bottom 0.8% in tier |
| NIM |
8.1%
+22.4% YoY+1.6% QoQ
|
+4.2% |
3.9%
+3.8% YoY
|
4.3%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Top 0.4% in tier |
| Efficiency Ratio |
173.1%
+52.6% YoY-7.5% QoQ
|
+91.7% |
81.4%
-2.4% YoY
|
82.9%
-3.6% YoY
|
79.1%
-3.3% YoY
|
Top 1.8% in tier |
| Delinquency Rate |
10.5%
-46.9% YoY+66.1% QoQ
|
+9.0 |
1.5%
-2.0% YoY
|
1.8%
-12.2% YoY
|
1.2%
-0.9% YoY
|
Top 2.2% in tier |
| Loan To Share |
64.5%
+5.7% YoY+5.7% QoQ
|
+3.3% |
61.2%
-3.0% YoY
|
70.9%
-2.6% YoY
|
68.0%
-1.7% YoY
|
54% |
| AMR |
$920.5
+11.4% YoY-1.6% QoQ
|
$-14K |
$14,627
-2.7% YoY
|
$13,297
+2.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 1.0% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
15.0%
+9.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.3%
+10.6% YoY
|
7.9%
-2.9% YoY
|
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 Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
11
Net Interest Margin (NIM)
profitability
Value:
8.10%
Peer Avg: -
#11 of 2596
Top 0.4% in <100M tier
75
Net Worth Ratio
risk
Value:
37.91%
Peer Avg: -
#75 of 2596
Top 2.9% in <100M tier
199
AMR Growth Rate
growth
Value:
11.38%
Peer Avg: -
#199 of 2596
Top 7.6% in <100M tier
559
Loan Growth Rate
growth
Value:
4.61%
Peer Avg: -
#559 of 2596
Top 21.5% in <100M tier
Top Weaknesses (13 metrics)
2580
Net Charge-Off Rate
risk
Value:
12.05%
Peer Avg: -
#2580 of 2596
Bottom 0.7% in <100M tier
2575
Return on Assets (ROA)
profitability
Value:
-6.17%
Peer Avg: -
#2575 of 2596
Bottom 0.8% in <100M tier
2569
Average Member Relationship (AMR)
engagement
Value:
$920.48
Peer Avg: -
#2569 of 2596
Bottom 1.1% in <100M tier
2567
Total Assets
balance_sheet
Value:
$210,825
Peer Avg: -
#2567 of 2596
Bottom 1.2% in <100M tier
2566
Total Deposits
balance_sheet
Value:
$137,644
Peer Avg: -
#2566 of 2596
Bottom 1.2% in <100M tier
2549
Efficiency Ratio
profitability
Value:
173.08%
Peer Avg: -
#2549 of 2596
Bottom 1.8% in <100M tier
2540
Total Delinquency Rate (60+ days)
risk
Value:
10.51%
Peer Avg: -
#2540 of 2596
Bottom 2.2% in <100M tier
2524
Loan-to-Member Ratio (LMR)
engagement
Value:
$360.96
Peer Avg: -
#2524 of 2596
Bottom 2.8% in <100M tier
2522
Total Loans
balance_sheet
Value:
$88,795
Peer Avg: -
#2522 of 2596
Bottom 2.9% in <100M tier
2465
Asset Growth Rate
growth
Value:
-10.29%
Peer Avg: -
#2465 of 2596
Bottom 5.1% in <100M tier