BlastPoint's Credit Union Scorecard
VERMILION EMPLOYEES
Charter #61540 · LA
VERMILION EMPLOYEES has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Members Per Employee (MPE): Top 2.9% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.40% below tier average
- - Efficiency ratio 2.87% above tier (higher cost structure)
- - Delinquency rate 0.48% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,422
+1.2% YoY+0.3% QoQ
|
-193 |
2,615
-1.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
59% |
| Assets |
$14.4M
-1.4% YoY-1.0% QoQ
|
$-15.8M |
$30.1M
+2.1% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
40% |
| Loans |
$9.2M
+9.0% YoY-1.1% QoQ
|
$-6.6M |
$15.8M
-1.3% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
49% |
| Deposits |
$12.1M
-0.3% YoY+0.8% QoQ
|
$-13.5M |
$25.7M
+1.4% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
40% |
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| ROA |
0.2%
+30.2% YoY-71.4% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
27% |
| NIM |
2.8%
-12.2% YoY-1.0% QoQ
|
-1.2% |
4.0%
+4.0% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
Bottom 13.2% in tier |
| Efficiency Ratio |
85.4%
+21.0% YoY+15.7% QoQ
|
+2.9% |
82.6%
-2.3% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
65% |
| Delinquency Rate |
2.0%
-0.5% YoY-17.1% QoQ
|
+0.5 |
1.6%
-3.1% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
78% |
| Loan To Share |
75.6%
+9.4% YoY-1.9% QoQ
|
+15.0% |
60.6%
-3.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
72% |
| AMR |
$8,803
+2.3% YoY-0.4% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
22% |
| 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)
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)