BlastPoint's Credit Union Scorecard
PELICAN
Charter #62710 · LA
PELICAN has 8 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does LA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.18% above tier average
- + Strong member growth: 10.7% YoY
- + Fee Income Per Member: Top 1.8% in tier
- + Total Members: Top 1.8% in tier
- + Member Growth Rate: Top 4.5% in tier
- + Total Loans: Top 5.4% in tier
- + Deposit Growth Rate: Top 7.2% in tier
- + First Mortgage Concentration (%): Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 10.6% in tier
- - Indirect Auto Dependency: Bottom 14.3% in tier
- - ROA 0.61% below tier average
- - Efficiency ratio 3.12% above tier (higher cost structure)
- - Delinquency rate 0.75% above tier average
- - Net Charge-Off Rate: Bottom 1.8% in tier
- - Average Member Relationship (AMR): Bottom 5.4% in tier
- - Net Worth Ratio: Bottom 8.1% 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 111 credit unions with $750M-$1B in assets nationally, and 1 of 4 that size in Louisiana.
- Shares and deposits +13.5% year over year ($797M in shares and deposits).
- Membership: 90,892 members, +10.7% vs a year ago.
- Delinquency rate 1.54%.
- Return on assets 0.23%.
- Efficiency ratio 77.66% vs a 74.54% peer average.
- Loan-to-share ratio 93.54% vs a 82.60% 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 |
90,892
+10.7% YoY+3.2% QoQ
|
+38.4K |
52,482
+1.3% YoY
|
9,550
+2.7% YoY
|
34,678
+6.6% YoY
|
Top 2.7% in tier |
| Assets |
$885.2M
+9.1% YoY+7.0% QoQ
|
+$21.3M |
$863.9M
+0.5% YoY
|
$130.2M
+7.1% YoY
|
$593.1M
+10.2% YoY
|
60% |
| Loans |
$745.8M
+9.8% YoY+5.0% QoQ
|
+$138.0M |
$607.8M
+2.1% YoY
|
$92.6M
+7.3% YoY
|
$418.6M
+10.1% YoY
|
Top 6.3% in tier |
| Deposits |
$797.2M
+13.5% YoY+12.2% QoQ
|
+$57.3M |
$739.9M
+0.2% YoY
|
$111.6M
+7.6% YoY
|
$504.8M
+10.3% YoY
|
75% |
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| ROA |
0.2%
-16.3% YoY-151.2% QoQ
|
-0.6% |
0.8%
+30.4% YoY
|
1.1%
+258.0% YoY
|
1.2%
+121.4% YoY
|
Bottom 10.8% in tier |
| NIM |
5.7%
+6.6% YoY-1.5% QoQ
|
+2.2% |
3.5%
+6.2% YoY
|
4.2%
-0.2% YoY
|
3.8%
+2.3% YoY
|
Top 0.9% in tier |
| Efficiency Ratio |
77.7%
-2.0% YoY+5.2% QoQ
|
+3.1% |
74.5%
-1.4% YoY
|
89.3%
+0.7% YoY
|
83.0%
-5.3% YoY
|
55% |
| Delinquency Rate |
1.5%
-15.5% YoY-8.7% QoQ
|
+0.7 |
0.8%
+1.0% YoY
|
2.0%
+21.9% YoY
|
1.3%
+2.6% YoY
|
Bottom 13.5% in tier |
| Loan To Share |
93.5%
-3.2% YoY-6.4% QoQ
|
+10.9% |
82.6%
+1.9% YoY
|
68.1%
-2.7% YoY
|
66.4%
-1.4% YoY
|
77% |
| AMR |
$16,976
+0.9% YoY+5.3% QoQ
|
$-12K |
$28,702
+0.4% YoY
|
$13,536
+2.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 4.5% in tier |
| CD Concentration |
32.2%
-10.3% YoY-5.2% QoQ
|
+7.6% | 24.6% | 15.1% | 20.0% | 77% |
| Indirect Auto % |
25.6%
+21.8% YoY+14.0% QoQ
|
+12.0% | 13.6% | 5.1% | 7.7% | 79% |
Signature Analysis
Strengths (0)
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)