BlastPoint's Credit Union Scorecard
CSE
Charter #5086 · LA
CSE has 7 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 19.4% in tier
- + Organic Growth Engine: Top 27.2% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Deposits: Top 3.1% in tier
- + Total Members: Top 3.6% in tier
- + Total Assets: Top 4.2% in tier
- + Total Loans: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 11.0% in tier
- - Efficiency Drag: Bottom 11.2% in tier
- - ROA 0.57% below tier average
- - Efficiency ratio 14.08% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 7.9% in tier
- - Net Charge-Off Rate: Bottom 8.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
35,581
+2.0% YoY+0.2% QoQ
|
+20.0K |
15,628
-3.4% YoY
|
9,352
+2.6% YoY
|
33,089
+6.1% YoY
|
Top 3.7% in tier |
| Assets |
$454.6M
-0.5% YoY-0.4% QoQ
|
+$223.3M |
$231.3M
-0.0% YoY
|
$121.4M
+4.9% YoY
|
$547.7M
+7.8% YoY
|
Top 4.3% in tier |
| Loans |
$274.1M
-3.6% YoY+0.6% QoQ
|
+$126.3M |
$147.8M
-1.4% YoY
|
$86.9M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
Top 9.7% in tier |
| Deposits |
$407.0M
+0.5% YoY-0.3% QoQ
|
+$206.7M |
$200.3M
-0.0% YoY
|
$103.9M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Top 3.2% in tier |
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| ROA |
0.2%
-248.1% YoY-11.2% QoQ
|
-0.6% |
0.8%
+15.5% YoY
|
0.5%
+1.1% YoY
|
0.7%
+273.4% YoY
|
Bottom 14.3% in tier |
| NIM |
3.4%
+9.4% YoY+2.5% QoQ
|
-0.2% |
3.6%
+6.9% YoY
|
4.3%
+3.2% YoY
|
3.7%
+5.0% YoY
|
37% |
| Efficiency Ratio |
91.4%
-4.6% YoY+0.5% QoQ
|
+14.1% |
77.3%
-3.0% YoY
|
82.9%
-3.6% YoY
|
79.1%
-3.3% YoY
|
Top 8.3% in tier |
| Delinquency Rate |
0.8%
-34.5% YoY-9.9% QoQ
|
-0.1 |
0.9%
+7.6% YoY
|
1.8%
-12.2% YoY
|
1.2%
-0.9% YoY
|
58% |
| Loan To Share |
67.4%
-4.1% YoY+1.0% QoQ
|
-5.3% |
72.7%
-1.5% YoY
|
70.9%
-2.6% YoY
|
68.0%
-1.7% YoY
|
34% |
| AMR |
$19,143
-3.2% YoY-0.1% QoQ
|
$-5K |
$24,363
+2.9% YoY
|
$13,297
+2.9% YoY
|
$19,418
+1.3% YoY
|
30% |
| CD Concentration |
27.8%
+0.2% YoY-0.2% QoQ
|
+3.4% |
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 (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)