BlastPoint's Credit Union Scorecard
LOUISIANA CENTRAL
Charter #61724 · LA
LOUISIANA CENTRAL has 1 strength but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.19% above tier average
Key Concerns
Areas that may need attention
- - ROA 20.03% below tier average
- - Efficiency ratio 50.87% above tier (higher cost structure)
- - Member decline: -4.9% YoY
- - Net Worth Ratio: Bottom 0.2% in tier
- - Net Charge-Off Rate: Bottom 1.2% in tier
- - Asset Growth Rate: Bottom 4.4% in tier
- - Loan Growth Rate: Bottom 6.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,919
-4.9% YoY-1.1% QoQ
|
-757 |
2,676
+1.6% YoY
|
9,512
+2.6% YoY
|
33,913
+5.7% YoY
|
50% |
| Assets |
$9.6M
-10.1% YoY-2.0% QoQ
|
$-20.6M |
$30.2M
+1.3% YoY
|
$128.1M
+5.9% YoY
|
$578.3M
+9.0% YoY
|
31% |
| Loans |
$6.5M
-19.7% YoY+0.1% QoQ
|
$-8.8M |
$15.3M
-2.0% YoY
|
$89.6M
+5.7% YoY
|
$402.4M
+8.7% YoY
|
40% |
| Deposits |
$9.4M
-3.1% YoY+1.3% QoQ
|
$-16.4M |
$25.8M
+0.7% YoY
|
$109.6M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
34% |
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| ROA |
-19.9%
+1114.6% YoY+292.1% QoQ
|
-20.0% |
0.1%
-77.6% YoY
|
0.1%
-79.1% YoY
|
0.4%
-39.2% YoY
|
Bottom 0.5% in tier |
| NIM |
5.2%
-1.6% YoY-5.6% QoQ
|
+1.2% |
4.0%
+4.0% YoY
|
4.2%
-0.4% YoY
|
3.8%
+4.1% YoY
|
Top 9.0% in tier |
| Efficiency Ratio |
141.5%
+48.5% YoY+30.2% QoQ
|
+50.9% |
90.6%
+6.5% YoY
|
88.0%
+2.9% YoY
|
84.6%
+2.8% YoY
|
Bottom 3.4% in tier |
| Delinquency Rate |
1.2%
-79.7% YoY-20.2% QoQ
|
-0.3 |
1.5%
+3.8% YoY
|
1.7%
-21.7% YoY
|
1.2%
+3.4% YoY
|
69% |
| Loan To Share |
68.9%
-17.1% YoY-1.2% QoQ
|
+10.4% |
58.5%
-3.0% YoY
|
68.2%
-2.4% YoY
|
65.6%
-1.4% YoY
|
66% |
| AMR |
$8,245
-6.1% YoY+2.0% QoQ
|
$-7K |
$14,884
-1.7% YoY
|
$13,483
+2.5% YoY
|
$19,920
+1.6% YoY
|
20% |
| CD Concentration |
17.7%
-1.3% YoY+0.8% QoQ
|
-6.6% | 24.3% | 14.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.1% | 7.7% | 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)