BlastPoint's Credit Union Scorecard
CABOT EMPLOYEES
Charter #62441 · LA
CABOT EMPLOYEES has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.63% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Net Worth Ratio: Top 7.8% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.7% YoY
- - Net Charge-Off Rate: Bottom 0.8% in tier
- - Loan Growth Rate: Bottom 1.7% in tier
- - Total Members: Bottom 2.2% in tier
- - AMR Growth Rate: Bottom 4.5% in tier
- - Total Deposits: Bottom 6.2% in tier
- - Total Assets: Bottom 6.4% in tier
- - Total Loans: Bottom 6.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
129
-3.7% YoY0% QoQ
|
-2.5K |
2,676
+1.6% YoY
|
9,512
+2.6% YoY
|
33,913
+5.7% YoY
|
Bottom 2.2% in tier |
| Assets |
$1.2M
-5.3% YoY-2.8% QoQ
|
$-29.0M |
$30.2M
+1.3% YoY
|
$128.1M
+5.9% YoY
|
$578.3M
+9.0% YoY
|
Bottom 6.4% in tier |
| Loans |
$399,383
-35.6% YoY-11.7% QoQ
|
$-14.9M |
$15.3M
-2.0% YoY
|
$89.6M
+5.7% YoY
|
$402.4M
+8.7% YoY
|
Bottom 6.6% in tier |
| Deposits |
$884,299
-2.8% YoY-1.0% QoQ
|
$-24.9M |
$25.8M
+0.7% YoY
|
$109.6M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 6.1% in tier |
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| ROA |
0.8%
-48.3% YoY-122.7% QoQ
|
+0.6% |
0.1%
-77.6% YoY
|
0.1%
-79.1% YoY
|
0.4%
-39.2% YoY
|
59% |
| NIM |
3.0%
-14.0% YoY+158.7% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
4.2%
-0.4% YoY
|
3.8%
+4.1% YoY
|
18% |
| Efficiency Ratio |
78.0%
+18.4% YoY-43.1% QoQ
|
-12.6% |
90.6%
+6.5% YoY
|
88.0%
+2.9% YoY
|
84.6%
+2.8% YoY
|
41% |
| Delinquency Rate |
0.0%
-100.0% QoQ
|
-1.5 |
1.5%
+3.8% YoY
|
1.7%
-21.7% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
45.2%
-33.7% YoY-10.9% QoQ
|
-13.3% |
58.5%
-3.0% YoY
|
68.2%
-2.4% YoY
|
65.6%
-1.4% YoY
|
29% |
| AMR |
$9,951
-12.8% YoY-4.6% QoQ
|
$-5K |
$14,884
-1.7% YoY
|
$13,483
+2.5% YoY
|
$19,920
+1.6% YoY
|
28% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 14.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)