BlastPoint's Credit Union Scorecard
LOUISIANA CENTRAL
Charter #61724 · LA
LOUISIANA CENTRAL has 3 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.44% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 4.51% below tier average
- - Efficiency ratio 24.12% above tier (higher cost structure)
- - Delinquency rate 2.15% above tier average
- - Member decline: -6.9% YoY
- - Net Charge-Off Rate: Bottom 1.9% in tier
- - Net Worth Ratio: Bottom 2.2% in tier
- - Loan Growth Rate: Bottom 4.9% in tier
- - Asset Growth Rate: Bottom 6.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,976
-6.9% YoY-0.8% QoQ
|
-649 |
2,625
-2.2% YoY
|
9,352
+2.6% YoY
|
33,089
+6.1% YoY
|
50% |
| Assets |
$10.2M
-8.9% YoY-1.3% QoQ
|
$-19.6M |
$29.9M
+1.1% YoY
|
$121.4M
+4.9% YoY
|
$547.7M
+7.8% YoY
|
32% |
| Loans |
$7.0M
-22.1% YoY-7.7% QoQ
|
$-8.8M |
$15.8M
-2.4% YoY
|
$86.9M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
42% |
| Deposits |
$9.5M
-5.3% YoY-0.4% QoQ
|
$-15.9M |
$25.5M
+0.4% YoY
|
$103.9M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
36% |
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| ROA |
-3.8%
-6437.5% YoY-28.8% QoQ
|
-4.5% |
0.7%
-731.4% YoY
|
0.5%
+1.1% YoY
|
0.7%
+273.4% YoY
|
Bottom 1.6% in tier |
| NIM |
5.4%
-0.3% YoY+0.9% QoQ
|
+1.4% |
3.9%
+3.8% YoY
|
4.3%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Top 8.8% in tier |
| Efficiency Ratio |
105.5%
+20.3% YoY+1.0% QoQ
|
+24.1% |
81.4%
-2.4% YoY
|
82.9%
-3.6% YoY
|
79.1%
-3.3% YoY
|
Top 8.2% in tier |
| Delinquency Rate |
3.7%
-39.7% YoY-41.3% QoQ
|
+2.1 |
1.5%
-2.0% YoY
|
1.8%
-12.2% YoY
|
1.2%
-0.9% YoY
|
Top 9.4% in tier |
| Loan To Share |
73.1%
-17.7% YoY-7.3% QoQ
|
+11.9% |
61.2%
-3.0% YoY
|
70.9%
-2.6% YoY
|
68.0%
-1.7% YoY
|
68% |
| AMR |
$8,349
-6.8% YoY-2.9% QoQ
|
$-6K |
$14,627
-2.7% YoY
|
$13,297
+2.9% YoY
|
$19,418
+1.3% YoY
|
21% |
| CD Concentration |
18.5%
-1.5% YoY+3.0% QoQ
|
-5.9% |
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)