BlastPoint's Credit Union Scorecard
IBERIA PARISH
Charter #4416 · LA
2556 CUs in <100M nationally
109 in LA
IBERIA PARISH has 5 strengths but faces 14 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 3.30% 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 1.6% in tier
Key Concerns
Areas that may need attention
- - ROA 7.94% below tier average
- - Efficiency ratio 113.59% above tier (higher cost structure)
- - Delinquency rate 2.95% above tier average
- - Member decline: -9.6% YoY
- - Net Charge-Off Rate: Bottom 0.9% in tier
- - Average Member Relationship (AMR): Bottom 0.9% in tier
- - Total Deposits: Bottom 1.1% in tier
- - Total Assets: Bottom 1.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.4% in tier
- - Asset Growth Rate: Bottom 2.6% in tier
- - Total Loans: Bottom 2.7% in tier
- - Member Growth Rate: Bottom 5.8% in tier
- - Total Members: Bottom 5.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
245
-9.6% YoY-0.4% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
Bottom 5.8% in tier |
| Assets |
$205,684
-12.4% YoY-2.4% QoQ
|
$-29.9M |
$30.1M
+2.1% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
Bottom 1.2% in tier |
| Loans |
$88,897
-5.1% YoY+0.1% QoQ
|
$-15.7M |
$15.8M
-1.3% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 2.7% in tier |
| Deposits |
$135,422
-6.5% YoY-1.6% QoQ
|
$-25.6M |
$25.7M
+1.4% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 1.1% in tier |
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
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-7.3%
-0.5% YoY+18.6% QoQ
|
-7.9% |
0.6%
+10.8% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
Bottom 0.7% in tier |
| NIM |
7.3%
+3.6% YoY-10.4% QoQ
|
+3.3% |
4.0%
+4.0% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
Top 0.9% in tier |
| Efficiency Ratio |
196.2%
-2.0% YoY+13.3% QoQ
|
+113.6% |
82.6%
-2.3% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
Top 1.1% in tier |
| Delinquency Rate |
4.5%
-81.4% YoY-57.1% QoQ
|
+3.0 |
1.6%
-3.1% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
Top 7.2% in tier |
| Loan To Share |
65.6%
+1.5% YoY+1.8% QoQ
|
+5.0% |
60.6%
-3.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
57% |
| AMR |
$915.6
+4.0% YoY-0.5% QoQ
|
$-14K |
$14,783
-1.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
Bottom 0.9% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 15.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.0% | 7.8% | 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 (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
22
Net Interest Margin (NIM)
profitability
Value:
7.26%
Peer Median: -
#22 of 2556
Top 0.8% in <100M tier
41
Net Worth Ratio
risk
Value:
43.74%
Peer Median: -
#41 of 2556
Top 1.6% in <100M tier
Top Weaknesses (14 metrics)
2539
Return on Assets (ROA)
profitability
Value:
-7.32%
Peer Median: -
#2539 of 2556
Bottom 0.7% in <100M tier
2534
Net Charge-Off Rate
risk
Value:
8.87%
Peer Median: -
#2534 of 2556
Bottom 0.9% in <100M tier
2533
Average Member Relationship (AMR)
engagement
Value:
$915.59
Peer Median: -
#2533 of 2556
Bottom 0.9% in <100M tier
2530
Efficiency Ratio
profitability
Value:
196.15%
Peer Median: -
#2530 of 2556
Bottom 1.1% in <100M tier
2529
Total Deposits
balance_sheet
Value:
$135,422
Peer Median: -
#2529 of 2556
Bottom 1.1% in <100M tier
2526
Total Assets
balance_sheet
Value:
$205,684
Peer Median: -
#2526 of 2556
Bottom 1.2% in <100M tier
2495
Loan-to-Member Ratio (LMR)
engagement
Value:
$362.84
Peer Median: -
#2495 of 2556
Bottom 2.4% in <100M tier
2490
Asset Growth Rate
growth
Value:
-12.39%
Peer Median: -
#2490 of 2556
Bottom 2.6% in <100M tier
2488
Total Loans
balance_sheet
Value:
$88,897
Peer Median: -
#2488 of 2556
Bottom 2.7% in <100M tier
2408
Member Growth Rate
growth
Value:
-9.59%
Peer Median: -
#2408 of 2556
Bottom 5.8% in <100M tier