BlastPoint's Credit Union Scorecard
CSE
Charter #5086 · LA
CSE has 6 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.10% above tier average
- + Total Members: Top 3.1% in tier
- + Total Deposits: Top 3.6% in tier
- + Total Assets: Top 5.2% in tier
- + Total Loans: Top 8.1% in tier
- + Fee Income Per Member: Top 8.2% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Deposit Outflow: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.24% below tier average
- - Efficiency ratio 6.68% above tier (higher cost structure)
- - Delinquency rate 0.28% above tier average
- - Asset Growth Rate: Bottom 7.5% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 21 that size in Louisiana.
- Shares and deposits -2.0% year over year ($400M in shares and deposits).
- Membership: 35,696 members, +0.5% vs a year ago.
- Delinquency rate 1.16%.
- Return on assets 0.63%.
- Efficiency ratio 83.41% vs a 76.73% peer average.
- Loan-to-share ratio 71.16% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
35,696
+0.5% YoY+0.4% QoQ
|
+20.5K |
15,168
-2.6% YoY
|
9,550
+2.7% YoY
|
34,678
+6.6% YoY
|
Top 3.2% in tier |
| Assets |
$446.2M
-2.2% YoY-2.1% QoQ
|
+$214.2M |
$232.0M
+0.7% YoY
|
$130.2M
+7.1% YoY
|
$593.1M
+10.2% YoY
|
Top 5.3% in tier |
| Loans |
$284.7M
+4.5% YoY+4.2% QoQ
|
+$138.4M |
$146.3M
+0.2% YoY
|
$92.6M
+7.3% YoY
|
$418.6M
+10.1% YoY
|
Top 8.2% in tier |
| Deposits |
$400.1M
-2.0% YoY-1.7% QoQ
|
+$199.4M |
$200.7M
+0.2% YoY
|
$111.6M
+7.6% YoY
|
$504.8M
+10.3% YoY
|
Top 3.7% in tier |
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| ROA |
0.6%
+152.8% YoY-35.8% QoQ
|
-0.2% |
0.9%
+12.5% YoY
|
1.1%
+258.0% YoY
|
1.2%
+121.4% YoY
|
38% |
| NIM |
3.8%
+14.4% YoY+5.0% QoQ
|
+0.1% |
3.7%
+4.5% YoY
|
4.2%
-0.2% YoY
|
3.8%
+2.3% YoY
|
58% |
| Efficiency Ratio |
83.4%
-8.3% YoY+3.6% QoQ
|
+6.7% |
76.7%
-0.8% YoY
|
89.3%
+0.7% YoY
|
83.0%
-5.3% YoY
|
70% |
| Delinquency Rate |
1.2%
+35.0% YoY+45.9% QoQ
|
+0.3 |
0.9%
+6.6% YoY
|
2.0%
+21.9% YoY
|
1.3%
+2.6% YoY
|
75% |
| Loan To Share |
71.2%
+6.7% YoY+6.0% QoQ
|
-0.4% |
71.5%
-0.3% YoY
|
68.1%
-2.7% YoY
|
66.4%
-1.4% YoY
|
46% |
| AMR |
$19,183
+0.1% YoY+0.3% QoQ
|
$-6K |
$25,107
+3.2% YoY
|
$13,536
+2.7% YoY
|
$20,028
-0.9% YoY
|
27% |
| CD Concentration |
23.9%
-14.3% YoY-5.8% QoQ
|
-0.7% | 24.6% | 15.1% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 5.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)