BlastPoint's Credit Union Scorecard
CABOT EMPLOYEES
Charter #62441 · LA
2596 CUs in <100M nationally
108 in LA
CABOT EMPLOYEES has 4 strengths but faces 12 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 6.8% in tier
Key Concerns
Areas that may need attention
- - ROA 2.83% below tier average
- - Delinquency rate 4.19% above tier average
- - Member decline: -3.7% YoY
- - Loan Growth Rate: Bottom 2.0% in tier
- - Total Members: Bottom 2.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 5.0% in tier
- - Net Charge-Off Rate: Bottom 6.3% in tier
- - Total Deposits: Bottom 6.5% in tier
- - Total Assets: Bottom 6.8% in tier
- - Total Loans: Bottom 7.6% in tier
- - AMR Growth Rate: Bottom 7.8% in tier
- - Members Per Employee (MPE): Bottom 8.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
129
-3.7% YoY-1.5% QoQ
|
-2.5K |
2,625
-2.2% YoY
|
9,352
+2.6% YoY
|
33,089
+6.1% YoY
|
Bottom 2.2% in tier |
| Assets |
$1.2M
+1.1% YoY-2.6% QoQ
|
$-28.6M |
$29.9M
+1.1% YoY
|
$121.4M
+4.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 6.8% in tier |
| Loans |
$501,891
-34.3% YoY-14.3% QoQ
|
$-15.3M |
$15.8M
-2.4% YoY
|
$86.9M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 7.6% in tier |
| Deposits |
$874,466
+6.3% YoY-3.7% QoQ
|
$-24.6M |
$25.5M
+0.4% YoY
|
$103.9M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 6.5% in tier |
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| ROA |
-2.2%
-183.0% YoY-37.3% QoQ
|
-2.8% |
0.7%
-731.4% YoY
|
0.5%
+1.1% YoY
|
0.7%
+273.4% YoY
|
Bottom 2.9% in tier |
| NIM |
3.2%
-30.2% YoY-7.7% QoQ
|
-0.7% |
3.9%
+3.8% YoY
|
4.3%
+3.2% YoY
|
3.7%
+5.0% YoY
|
26% |
| Efficiency Ratio |
68.0%
+29.0% YoY+9.5% QoQ
|
-13.4% |
81.4%
-2.4% YoY
|
82.9%
-3.6% YoY
|
79.1%
-3.3% YoY
|
27% |
| Delinquency Rate |
5.7%
+158.9% QoQ
|
+4.2 |
1.5%
-2.0% YoY
|
1.8%
-12.2% YoY
|
1.2%
-0.9% YoY
|
Top 5.0% in tier |
| Loan To Share |
57.4%
-38.2% YoY-11.0% QoQ
|
-3.8% |
61.2%
-3.0% YoY
|
70.9%
-2.6% YoY
|
68.0%
-1.7% YoY
|
44% |
| AMR |
$10,669
-9.9% YoY-6.4% QoQ
|
$-4K |
$14,627
-2.7% YoY
|
$13,297
+2.9% YoY
|
$19,418
+1.3% YoY
|
32% |
| CD Concentration | 0.0% | -24.4% |
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 (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 Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
178
Net Worth Ratio
risk
Value:
28.68%
Peer Avg: -
#178 of 2596
Top 6.8% in <100M tier
481
Deposit Growth Rate
growth
Value:
6.33%
Peer Avg: -
#481 of 2596
Top 18.5% in <100M tier
Top Weaknesses (10 metrics)
2545
Loan Growth Rate
growth
Value:
-34.32%
Peer Avg: -
#2545 of 2596
Bottom 2.0% in <100M tier
2540
Total Members
engagement
Value:
129
Peer Avg: -
#2540 of 2596
Bottom 2.2% in <100M tier
2522
Return on Assets (ROA)
profitability
Value:
-2.15%
Peer Avg: -
#2522 of 2596
Bottom 2.9% in <100M tier
2466
Total Delinquency Rate (60+ days)
risk
Value:
5.70%
Peer Avg: -
#2466 of 2596
Bottom 5.0% in <100M tier
2434
Net Charge-Off Rate
risk
Value:
1.89%
Peer Avg: -
#2434 of 2596
Bottom 6.3% in <100M tier
2428
Total Deposits
balance_sheet
Value:
$874,466
Peer Avg: -
#2428 of 2596
Bottom 6.5% in <100M tier
2420
Total Assets
balance_sheet
Value:
$1.23M
Peer Avg: -
#2420 of 2596
Bottom 6.8% in <100M tier
2399
Total Loans
balance_sheet
Value:
$501,891
Peer Avg: -
#2399 of 2596
Bottom 7.6% in <100M tier
2395
AMR Growth Rate
growth
Value:
-9.89%
Peer Avg: -
#2395 of 2596
Bottom 7.8% in <100M tier
2387
Members Per Employee (MPE)
engagement
Value:
129.000
Peer Avg: -
#2387 of 2596
Bottom 8.1% in <100M tier