BlastPoint's Credit Union Scorecard

CSE

Charter #5086 · LA

100M-500M

1070 CUs in 100M-500M nationally 21 in LA

CSE has 8 strengths but faces 4 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

+ Organic Growth Engine: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ ROA 0.25% above tier average
+ Total Deposits: Top 2.9% in tier
+ Total Members: Top 3.0% in tier
+ Fee Income Per Member: Top 3.9% in tier
+ Total Assets: Top 4.1% in tier
+ Total Loans: Top 9.0% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Deposit Outflow: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Efficiency ratio 2.45% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Members	35,569 +0.5% YoY+0.1% QoQ	+20.4K	15,145 -2.5% YoY	9,512 +2.6% YoY	33,913 +5.7% YoY	Top 3.1% in tier
Assets	$455.9M -1.2% YoY+1.6% QoQ	+$224.2M	$231.7M +0.8% YoY	$128.1M +5.9% YoY	$578.3M +9.0% YoY	Top 4.2% in tier
Loans	$273.3M +0.3% YoY-0.1% QoQ	+$129.1M	$144.1M +0.2% YoY	$89.6M +5.7% YoY	$402.4M +8.7% YoY	Top 9.1% in tier
Deposits	$407.0M -1.6% YoY+0.7% QoQ	+$205.9M	$201.1M +0.4% YoY	$109.6M +6.0% YoY	$494.3M +9.1% YoY	Top 3.0% in tier

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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	1.0% +12.4% YoY+515.6% QoQ	+0.2%	0.7% +5.1% YoY	0.1% -79.1% YoY	0.4% -39.2% YoY	69%
NIM	3.6% +11.5% YoY+3.3% QoQ	+0.0%	3.6% +4.6% YoY	4.2% -0.4% YoY	3.8% +4.1% YoY	49%
Efficiency Ratio	80.5% -0.6% YoY-11.3% QoQ	+2.5%	78.0% -1.7% YoY	88.0% +2.9% YoY	84.6% +2.8% YoY	57%
Delinquency Rate	0.8% -33.8% YoY-38.8% QoQ	+0.0	0.8% +7.1% YoY	1.7% -21.7% YoY	1.2% +3.4% YoY	65%
Loan To Share	67.1% +2.0% YoY-0.8% QoQ	-3.3%	70.4% -0.4% YoY	68.2% -2.4% YoY	65.6% -1.4% YoY	40%
AMR	$19,125 -1.4% YoY+0.3% QoQ	$-6K	$24,918 +2.7% YoY	$13,483 +2.5% YoY	$19,920 +1.6% YoY	28%
CD Concentration	25.3% -5.6% YoY-6.3% QoQ	+1.1%	24.3%	14.9%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	5.1%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#263 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.54%

(Tier: 0.72%, National: 10.19%)

but worse than tier avg

Return on Assets: 0.98%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth

#363 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.54%

(Tier: 0.72%, National: 10.19%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Concerns (3)

Efficiency Drag

risk

#296 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 80.48%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.11% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): 0.54%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Deposit Outflow

decline

#37 of 72 • Bottom 50.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -1.61%

(Tier: 4.30%, National: 64.06%)

worse than tier avg

Member Growth (YoY): 0.54%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

72 of 1070 Mid-Small & Community CUs have this signature | 98 nationally

→ No prior data (72 CUs now) | New qualifier

Shrinking Wallet Share

decline

#184 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.37%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 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 1070 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Total Deposits

balance_sheet

Value: $406.99M

Peer Median: $171.29M

#32 of 1070 Top 2.9% in 100M-500M tier

Total Members

engagement

Value: 35,569

Peer Median: 13,200

#33 of 1070 Top 3.0% in 100M-500M tier

Fee Income Per Member

profitability

Value: $306.31

Peer Median: $154.95

#43 of 1070 Top 3.9% in 100M-500M tier

Total Assets

balance_sheet

Value: $455.89M

Peer Median: $196.57M

#45 of 1070 Top 4.1% in 100M-500M tier

Total Loans

balance_sheet

Value: $273.28M

Peer Median: $121.41M

#97 of 1070 Top 9.0% in 100M-500M tier

Top Weaknesses (4 metrics)

951

Asset Growth Rate

growth

Value: -1.15%

Peer Median: 3.91%

#951 of 1070 Bottom 11.2% in 100M-500M tier

947

First Mortgage Concentration (%)

balance_sheet

Value: 51.70%

Peer Median: 29.47%

#947 of 1070 Bottom 11.6% in 100M-500M tier

941

Deposit Growth Rate

growth

Value: -1.61%

Peer Median: 3.30%

#941 of 1070 Bottom 12.1% in 100M-500M tier

919

AMR Growth Rate

growth

Value: -1.37%

Peer Median: 3.46%

#919 of 1070 Bottom 14.2% in 100M-500M tier