BlastPoint's Credit Union Scorecard
LOUISIANA CENTRAL
Charter #61724 · LA
LOUISIANA CENTRAL has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.55% 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 5.69% below tier average
- - Efficiency ratio 26.11% above tier (higher cost structure)
- - Member decline: -5.9% YoY
- - Net Worth Ratio: Bottom 0.7% in tier
- - Net Charge-Off Rate: Bottom 2.2% in tier
- - Loan Growth Rate: Bottom 3.4% in tier
- - Asset Growth Rate: Bottom 7.3% in tier
- - AMR Growth Rate: Bottom 8.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,941
-5.9% YoY-1.8% QoQ
|
-674 |
2,615
-1.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
50% |
| Assets |
$9.8M
-8.1% YoY-4.7% QoQ
|
$-20.4M |
$30.1M
+2.1% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
31% |
| Loans |
$6.4M
-25.2% YoY-7.5% QoQ
|
$-9.3M |
$15.8M
-1.3% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
40% |
| Deposits |
$9.2M
-3.3% YoY-2.9% QoQ
|
$-16.4M |
$25.7M
+1.4% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
34% |
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| ROA |
-5.1%
+709.1% YoY+32.5% QoQ
|
-5.7% |
0.6%
+10.8% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
Bottom 1.0% in tier |
| NIM |
5.5%
-2.1% YoY+2.4% QoQ
|
+1.6% |
4.0%
+4.0% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
Top 7.2% in tier |
| Efficiency Ratio |
108.7%
+23.3% YoY+3.0% QoQ
|
+26.1% |
82.6%
-2.3% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
Top 6.9% in tier |
| Delinquency Rate |
1.5%
-75.8% YoY-57.8% QoQ
|
-0.0 |
1.6%
-3.1% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
72% |
| Loan To Share |
69.7%
-22.6% YoY-4.7% QoQ
|
+9.1% |
60.6%
-3.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
64% |
| AMR |
$8,085
-8.3% YoY-3.2% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
20% |
| CD Concentration |
17.5%
+1.8% YoY-5.2% QoQ
|
-6.9% | 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)