BlastPoint's Credit Union Scorecard
VERMILION EMPLOYEES
Charter #61540 · LA
VERMILION EMPLOYEES has 7 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.10% 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
- + Members Per Employee (MPE): Top 2.9% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
- + Loan Growth Rate: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.95% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,414
+2.0% YoY+1.6% QoQ
|
-211 |
2,625
-2.2% YoY
|
9,352
+2.6% YoY
|
33,089
+6.1% YoY
|
59% |
| Assets |
$14.5M
-1.6% YoY+0.2% QoQ
|
$-15.4M |
$29.9M
+1.1% YoY
|
$121.4M
+4.9% YoY
|
$547.7M
+7.8% YoY
|
41% |
| Loans |
$9.3M
+10.6% YoY+2.4% QoQ
|
$-6.5M |
$15.8M
-2.4% YoY
|
$86.9M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
49% |
| Deposits |
$12.0M
-1.5% YoY+0.0% QoQ
|
$-13.4M |
$25.5M
+0.4% YoY
|
$103.9M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
41% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.8%
-47.6% YoY+23.3% QoQ
|
+0.1% |
0.7%
-731.4% YoY
|
0.5%
+1.1% YoY
|
0.7%
+273.4% YoY
|
51% |
| NIM |
2.8%
-10.2% YoY-4.9% QoQ
|
-1.1% |
3.9%
+3.8% YoY
|
4.3%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Bottom 13.3% in tier |
| Efficiency Ratio |
73.9%
+33.1% YoY-7.4% QoQ
|
-7.5% |
81.4%
-2.4% YoY
|
82.9%
-3.6% YoY
|
79.1%
-3.3% YoY
|
40% |
| Delinquency Rate |
2.5%
+19.4% YoY+44.4% QoQ
|
+0.9 |
1.5%
-2.0% YoY
|
1.8%
-12.2% YoY
|
1.2%
-0.9% YoY
|
84% |
| Loan To Share |
77.1%
+12.3% YoY+2.3% QoQ
|
+15.9% |
61.2%
-3.0% YoY
|
70.9%
-2.6% YoY
|
68.0%
-1.7% YoY
|
73% |
| AMR |
$8,835
+1.3% YoY-0.5% QoQ
|
$-6K |
$14,627
-2.7% YoY
|
$13,297
+2.9% YoY
|
$19,418
+1.3% YoY
|
23% |
| 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)
Concerns (0)
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)