BlastPoint's Credit Union Scorecard
GRAPHIC ARTS
Charter #60261 · LA
2596 CUs in <100M nationally
108 in LA
GRAPHIC ARTS has 7 strengths but faces 13 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.91% 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
- + AMR Growth Rate: Top 0.5% in tier
- + Loan-to-Share Ratio: Top 2.8% in tier
- + Net Worth Ratio: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - ROA 5.10% below tier average
- - Efficiency ratio 30.57% above tier (higher cost structure)
- - Delinquency rate 5.80% above tier average
- - Member decline: -45.7% YoY
- - Member Growth Rate: Bottom 0.6% in tier
- - Net Charge-Off Rate: Bottom 0.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.4% in tier
- - Asset Growth Rate: Bottom 3.5% in tier
- - Loan Growth Rate: Bottom 4.7% in tier
- - Total Members: Bottom 5.3% in tier
- - Total Deposits: Bottom 5.8% in tier
- - Total Assets: Bottom 6.1% in tier
- - Members Per Employee (MPE): Bottom 6.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
223
-45.7% YoY+3.2% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
9,352
+2.6% YoY
|
33,089
+6.1% YoY
|
Bottom 5.3% in tier |
| Assets |
$1.1M
-12.2% YoY-0.4% QoQ
|
$-28.8M |
$29.9M
+1.1% YoY
|
$121.4M
+4.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 6.1% in tier |
| Loans |
$808,545
-22.7% YoY-6.4% QoQ
|
$-15.0M |
$15.8M
-2.4% YoY
|
$86.9M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 10.0% in tier |
| Deposits |
$785,959
-5.8% YoY+2.0% QoQ
|
$-24.7M |
$25.5M
+0.4% YoY
|
$103.9M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 5.8% in tier |
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| ROA |
-4.4%
-5497.5% YoY+68.7% QoQ
|
-5.1% |
0.7%
-731.4% YoY
|
0.5%
+1.1% YoY
|
0.7%
+273.4% YoY
|
Bottom 1.3% in tier |
| NIM |
6.8%
-10.6% YoY-1.4% QoQ
|
+2.9% |
3.9%
+3.8% YoY
|
4.3%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Top 1.7% in tier |
| Efficiency Ratio |
112.0%
+14.1% YoY+3.4% QoQ
|
+30.6% |
81.4%
-2.4% YoY
|
82.9%
-3.6% YoY
|
79.1%
-3.3% YoY
|
Top 5.9% in tier |
| Delinquency Rate |
7.3%
+449.3% YoY+69.8% QoQ
|
+5.8 |
1.5%
-2.0% YoY
|
1.8%
-12.2% YoY
|
1.2%
-0.9% YoY
|
Top 3.4% in tier |
| Loan To Share |
102.9%
-18.0% YoY-8.2% QoQ
|
+41.6% |
61.2%
-3.0% YoY
|
70.9%
-2.6% YoY
|
68.0%
-1.7% YoY
|
Top 3.0% in tier |
| AMR |
$7,150
+56.3% YoY-5.5% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$13,297
+2.9% YoY
|
$19,418
+1.3% YoY
|
16% |
| 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
14
AMR Growth Rate
growth
Value:
56.27%
Peer Avg: -
#14 of 2596
Top 0.5% in <100M tier
44
Net Interest Margin (NIM)
profitability
Value:
6.84%
Peer Avg: -
#44 of 2596
Top 1.7% in <100M tier
74
Loan-to-Share Ratio
balance_sheet
Value:
102.87%
Peer Avg: -
#74 of 2596
Top 2.8% in <100M tier
253
Net Worth Ratio
risk
Value:
26.04%
Peer Avg: -
#253 of 2596
Top 9.7% in <100M tier
Top Weaknesses (14 metrics)
2582
Member Growth Rate
growth
Value:
-45.74%
Peer Avg: -
#2582 of 2596
Bottom 0.6% in <100M tier
2574
Net Charge-Off Rate
risk
Value:
8.64%
Peer Avg: -
#2574 of 2596
Bottom 0.9% in <100M tier
2561
Return on Assets (ROA)
profitability
Value:
-4.42%
Peer Avg: -
#2561 of 2596
Bottom 1.4% in <100M tier
2510
Total Delinquency Rate (60+ days)
risk
Value:
7.31%
Peer Avg: -
#2510 of 2596
Bottom 3.4% in <100M tier
2506
Asset Growth Rate
growth
Value:
-12.20%
Peer Avg: -
#2506 of 2596
Bottom 3.5% in <100M tier
2475
Loan Growth Rate
growth
Value:
-22.74%
Peer Avg: -
#2475 of 2596
Bottom 4.7% in <100M tier
2459
Total Members
engagement
Value:
223
Peer Avg: -
#2459 of 2596
Bottom 5.3% in <100M tier
2446
Total Deposits
balance_sheet
Value:
$785,959
Peer Avg: -
#2446 of 2596
Bottom 5.8% in <100M tier
2445
Efficiency Ratio
profitability
Value:
111.96%
Peer Avg: -
#2445 of 2596
Bottom 5.9% in <100M tier
2438
Total Assets
balance_sheet
Value:
$1.07M
Peer Avg: -
#2438 of 2596
Bottom 6.1% in <100M tier