BlastPoint's Credit Union Scorecard
GRAPHIC ARTS
Charter #60261 · LA
2556 CUs in <100M nationally
109 in LA
GRAPHIC ARTS has 7 strengths but faces 15 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.95% 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 0.2% in tier
- + Loan-to-Share Ratio: Top 1.6% in tier
- + Net Worth Ratio: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - ROA 6.09% below tier average
- - Efficiency ratio 31.87% above tier (higher cost structure)
- - Delinquency rate 5.06% above tier average
- - Member decline: -58.0% YoY
- - Member Growth Rate: Bottom 0.5% in tier
- - Net Charge-Off Rate: Bottom 1.1% in tier
- - Asset Growth Rate: Bottom 2.0% in tier
- - Total Members: Bottom 3.8% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.0% in tier
- - Deposit Growth Rate: Bottom 4.1% in tier
- - Total Assets: Bottom 5.1% in tier
- - Total Deposits: Bottom 5.2% in tier
- - Members Per Employee (MPE): Bottom 5.3% in tier
- - Loan Growth Rate: Bottom 5.9% in tier
- - Total Loans: Bottom 9.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
173
-58.0% YoY-22.4% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
Bottom 3.8% in tier |
| Assets |
$965,611
-14.5% YoY-9.7% QoQ
|
$-29.2M |
$30.1M
+2.1% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
Bottom 5.1% in tier |
| Loans |
$777,587
-19.7% YoY-3.8% QoQ
|
$-15.0M |
$15.8M
-1.3% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 9.4% in tier |
| Deposits |
$707,460
-12.7% YoY-10.0% QoQ
|
$-25.0M |
$25.7M
+1.4% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 5.2% 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 |
-5.5%
+3.5% YoY+23.7% QoQ
|
-6.1% |
0.6%
+10.8% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
Bottom 0.9% in tier |
| NIM |
6.9%
-7.8% YoY+1.0% QoQ
|
+3.0% |
4.0%
+4.0% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
Top 1.4% in tier |
| Efficiency Ratio |
114.4%
+23.6% YoY+2.2% QoQ
|
+31.9% |
82.6%
-2.3% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
Top 5.0% in tier |
| Delinquency Rate |
6.6%
+90.7% YoY-9.4% QoQ
|
+5.1 |
1.6%
-3.1% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
Top 4.0% in tier |
| Loan To Share |
109.9%
-8.0% YoY+6.8% QoQ
|
+49.3% |
60.6%
-3.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
Top 1.7% in tier |
| AMR |
$8,584
+98.8% YoY+20.1% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
21% |
| 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 (7 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
5
AMR Growth Rate
growth
Value:
98.80%
Peer Median: -
#5 of 2556
Top 0.2% in <100M tier
37
Net Interest Margin (NIM)
profitability
Value:
6.91%
Peer Median: -
#37 of 2556
Top 1.4% in <100M tier
42
Loan-to-Share Ratio
balance_sheet
Value:
109.91%
Peer Median: -
#42 of 2556
Top 1.6% in <100M tier
234
Net Worth Ratio
risk
Value:
26.56%
Peer Median: -
#234 of 2556
Top 9.1% in <100M tier
Top Weaknesses (14 metrics)
2545
Member Growth Rate
growth
Value:
-58.01%
Peer Median: -
#2545 of 2556
Bottom 0.5% in <100M tier
2532
Return on Assets (ROA)
profitability
Value:
-5.47%
Peer Median: -
#2532 of 2556
Bottom 1.0% in <100M tier
2528
Net Charge-Off Rate
risk
Value:
7.67%
Peer Median: -
#2528 of 2556
Bottom 1.1% in <100M tier
2505
Asset Growth Rate
growth
Value:
-14.49%
Peer Median: -
#2505 of 2556
Bottom 2.0% in <100M tier
2459
Total Members
engagement
Value:
173
Peer Median: -
#2459 of 2556
Bottom 3.8% in <100M tier
2456
Total Delinquency Rate (60+ days)
risk
Value:
6.62%
Peer Median: -
#2456 of 2556
Bottom 4.0% in <100M tier
2452
Deposit Growth Rate
growth
Value:
-12.73%
Peer Median: -
#2452 of 2556
Bottom 4.1% in <100M tier
2428
Efficiency Ratio
profitability
Value:
114.43%
Peer Median: -
#2428 of 2556
Bottom 5.0% in <100M tier
2426
Total Assets
balance_sheet
Value:
$965,611
Peer Median: -
#2426 of 2556
Bottom 5.1% in <100M tier
2424
Total Deposits
balance_sheet
Value:
$707,460
Peer Median: -
#2424 of 2556
Bottom 5.2% in <100M tier