BlastPoint's Credit Union Scorecard
CABOT EMPLOYEES
Charter #62441 · LA
2556 CUs in <100M nationally
109 in LA
CABOT EMPLOYEES has 5 strengths but faces 14 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 9.3% in tier
- + Deposit Growth Rate: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - ROA 4.03% below tier average
- - Efficiency ratio 54.54% above tier (higher cost structure)
- - Delinquency rate 4.77% above tier average
- - Member decline: -4.4% YoY
- - Net Interest Margin (NIM): Bottom 1.1% in tier
- - Loan Growth Rate: Bottom 1.5% in tier
- - Total Members: Bottom 2.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.4% in tier
- - Net Charge-Off Rate: Bottom 5.4% in tier
- - Total Deposits: Bottom 6.4% in tier
- - Total Assets: Bottom 6.8% in tier
- - Total Loans: Bottom 7.0% in tier
- - Members Per Employee (MPE): Bottom 8.3% in tier
- - AMR Growth Rate: Bottom 9.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
129
-4.4% YoY0% QoQ
|
-2.5K |
2,615
-1.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
Bottom 2.2% in tier |
| Assets |
$1.3M
+3.2% YoY+2.1% QoQ
|
$-28.9M |
$30.1M
+2.1% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
Bottom 6.7% in tier |
| Loans |
$452,397
-36.5% YoY-9.9% QoQ
|
$-15.3M |
$15.8M
-1.3% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 6.9% in tier |
| Deposits |
$892,784
+9.8% YoY+2.1% QoQ
|
$-24.8M |
$25.7M
+1.4% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 6.4% in tier |
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| ROA |
-3.4%
-1222.1% YoY+58.5% QoQ
|
-4.0% |
0.6%
+10.8% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
Bottom 1.7% in tier |
| NIM |
1.1%
-51.5% YoY-64.7% QoQ
|
-2.8% |
4.0%
+4.0% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
Bottom 1.1% in tier |
| Efficiency Ratio |
137.1%
+51.3% YoY+101.7% QoQ
|
+54.5% |
82.6%
-2.3% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
Top 2.5% in tier |
| Delinquency Rate |
6.3%
+10.9% QoQ
|
+4.8 |
1.6%
-3.1% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
Top 4.4% in tier |
| Loan To Share |
50.7%
-42.2% YoY-11.7% QoQ
|
-9.9% |
60.6%
-3.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
34% |
| AMR |
$10,428
-7.7% YoY-2.3% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
30% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 15.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.0% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
239
Net Worth Ratio
risk
Value:
26.31%
Peer Median: -
#239 of 2556
Top 9.3% in <100M tier
252
Deposit Growth Rate
growth
Value:
9.81%
Peer Median: -
#252 of 2556
Top 9.8% in <100M tier
Top Weaknesses (13 metrics)
2528
Net Interest Margin (NIM)
profitability
Value:
1.15%
Peer Median: -
#2528 of 2556
Bottom 1.1% in <100M tier
2518
Loan Growth Rate
growth
Value:
-36.49%
Peer Median: -
#2518 of 2556
Bottom 1.5% in <100M tier
2513
Return on Assets (ROA)
profitability
Value:
-3.41%
Peer Median: -
#2513 of 2556
Bottom 1.7% in <100M tier
2500
Total Members
engagement
Value:
129
Peer Median: -
#2500 of 2556
Bottom 2.2% in <100M tier
2492
Efficiency Ratio
profitability
Value:
137.09%
Peer Median: -
#2492 of 2556
Bottom 2.5% in <100M tier
2444
Total Delinquency Rate (60+ days)
risk
Value:
6.32%
Peer Median: -
#2444 of 2556
Bottom 4.4% in <100M tier
2419
Net Charge-Off Rate
risk
Value:
2.17%
Peer Median: -
#2419 of 2556
Bottom 5.4% in <100M tier
2393
Total Deposits
balance_sheet
Value:
$892,784
Peer Median: -
#2393 of 2556
Bottom 6.4% in <100M tier
2384
Total Assets
balance_sheet
Value:
$1.26M
Peer Median: -
#2384 of 2556
Bottom 6.8% in <100M tier
2379
Total Loans
balance_sheet
Value:
$452,397
Peer Median: -
#2379 of 2556
Bottom 7.0% in <100M tier