BlastPoint's Credit Union Scorecard
ASCENSION
Charter #62018 · LA
ASCENSION has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Credit Quality Leader: Top 4.1% in tier
- + Organic Growth Leader: Top 9.3% in tier
- + Organic Growth Engine: Top 18.9% in tier
- + Net Interest Margin 1.17% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Delinquency Rate (60+ days): Top 1.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 5.8% in tier
- - ROA 0.47% below tier average
- - Efficiency ratio 14.87% above tier (higher cost structure)
- - Total Assets: Bottom 5.2% in tier
- - Total Deposits: Bottom 6.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,540
+3.9% YoY+0.0% QoQ
|
-5.1K |
15,628
-3.4% YoY
|
9,352
+2.6% YoY
|
33,089
+6.1% YoY
|
33% |
| Assets |
$107.4M
+4.7% YoY+1.9% QoQ
|
$-123.9M |
$231.3M
-0.0% YoY
|
$121.4M
+4.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 5.1% in tier |
| Loans |
$84.7M
+8.0% YoY+6.0% QoQ
|
$-63.1M |
$147.8M
-1.4% YoY
|
$86.9M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
25% |
| Deposits |
$94.2M
+4.7% YoY+1.3% QoQ
|
$-106.1M |
$200.3M
-0.0% YoY
|
$103.9M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 6.1% in tier |
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| ROA |
0.3%
-21.3% YoY+9.6% QoQ
|
-0.5% |
0.8%
+15.5% YoY
|
0.5%
+1.1% YoY
|
0.7%
+273.4% YoY
|
20% |
| NIM |
4.8%
+10.2% YoY+1.8% QoQ
|
+1.2% |
3.6%
+6.9% YoY
|
4.3%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Top 5.0% in tier |
| Efficiency Ratio |
92.2%
-0.8% YoY-0.7% QoQ
|
+14.9% |
77.3%
-3.0% YoY
|
82.9%
-3.6% YoY
|
79.1%
-3.3% YoY
|
Top 7.1% in tier |
| Delinquency Rate |
0.0%
-90.5% YoY+84.2% QoQ
|
-0.8 |
0.9%
+7.6% YoY
|
1.8%
-12.2% YoY
|
1.2%
-0.9% YoY
|
Bottom 1.3% in tier |
| Loan To Share |
89.9%
+3.1% YoY+4.6% QoQ
|
+17.2% |
72.7%
-1.5% YoY
|
70.9%
-2.6% YoY
|
68.0%
-1.7% YoY
|
84% |
| AMR |
$16,973
+2.3% YoY+3.4% QoQ
|
$-7K |
$24,363
+2.9% YoY
|
$13,297
+2.9% YoY
|
$19,418
+1.3% YoY
|
18% |
| CD Concentration |
28.0%
-7.6% YoY-1.4% QoQ
|
+3.6% |
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 (3)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)