BlastPoint's Credit Union Scorecard
LOUISIANA CENTRAL
Charter #61724 · LA
LOUISIANA CENTRAL has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 9.57% above tier average
- + Net Interest Margin 1.45% above tier average
- + Members Per Employee (MPE): Top 7.6% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 44.76% above tier (higher cost structure)
- - Delinquency rate 0.55% above tier average
- - Member decline: -9.7% YoY
- - Net Worth Ratio: Bottom 0.3% in tier
- - Net Charge-Off Rate: Bottom 2.0% in tier
- - Asset Growth Rate: Bottom 3.4% in tier
- - Member Growth Rate: Bottom 6.5% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 107 that size in Louisiana.
- Shares and deposits -5.0% year over year ($9.1M in shares and deposits).
- Membership: 1,797 members, -9.7% vs a year ago.
- Delinquency rate 2.10%.
- Return on assets 11.07%.
- Efficiency ratio 133.53% vs a 88.77% peer average.
- Loan-to-share ratio 69.61% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,797
-9.7% YoY-6.4% QoQ
|
-788 |
2,585
-1.7% YoY
|
9,550
+2.7% YoY
|
34,678
+6.6% YoY
|
48% |
| Assets |
$9.1M
-12.1% YoY-4.8% QoQ
|
$-21.2M |
$30.3M
+1.5% YoY
|
$130.2M
+7.1% YoY
|
$593.1M
+10.2% YoY
|
30% |
| Loans |
$6.3M
-16.2% YoY-2.0% QoQ
|
$-9.1M |
$15.5M
-1.7% YoY
|
$92.6M
+7.3% YoY
|
$418.6M
+10.1% YoY
|
40% |
| Deposits |
$9.1M
-5.0% YoY-3.0% QoQ
|
$-16.7M |
$25.8M
+1.1% YoY
|
$111.6M
+7.6% YoY
|
$504.8M
+10.3% YoY
|
34% |
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| ROA |
11.1%
-305.7% YoY-155.7% QoQ
|
+9.6% |
1.5%
+241.5% YoY
|
1.1%
+258.0% YoY
|
1.2%
+121.4% YoY
|
Top 0.6% in tier |
| NIM |
5.3%
+0.3% YoY+2.9% QoQ
|
+1.4% |
3.9%
+0.9% YoY
|
4.2%
-0.2% YoY
|
3.8%
+2.3% YoY
|
Top 7.5% in tier |
| Efficiency Ratio |
133.5%
+27.8% YoY-5.6% QoQ
|
+44.8% |
88.8%
-6.9% YoY
|
89.3%
+0.7% YoY
|
83.0%
-5.3% YoY
|
Bottom 3.1% in tier |
| Delinquency Rate |
2.1%
-66.3% YoY+70.7% QoQ
|
+0.6 |
1.5%
+2.1% YoY
|
2.0%
+21.9% YoY
|
1.3%
+2.6% YoY
|
80% |
| Loan To Share |
69.6%
-11.8% YoY+1.1% QoQ
|
+10.7% |
58.9%
-3.1% YoY
|
68.1%
-2.7% YoY
|
66.4%
-1.4% YoY
|
66% |
| AMR |
$8,575
-0.3% YoY+4.0% QoQ
|
$-6K |
$14,963
-6.8% YoY
|
$13,536
+2.7% YoY
|
$20,028
-0.9% YoY
|
21% |
| CD Concentration |
19.3%
+7.9% YoY+9.6% QoQ
|
-5.2% | 24.6% | 15.1% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 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)