BlastPoint's Credit Union Scorecard

PELICAN

Charter #62710 · LA

Community 750M-1B

117 CUs in 750M-1B nationally 3 in LA

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PELICAN has 8 strengths but faces 10 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

LA Analysis

How does LA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 64.3% in tier
+ Net Interest Margin 2.07% above tier average
+ Strong member growth: 9.3% YoY
+ Total Members: Top 2.6% in tier
+ Fee Income Per Member: Top 3.4% in tier
+ Member Growth Rate: Top 4.3% in tier
+ Loan-to-Share Ratio: Top 9.4% in tier
+ First Mortgage Concentration (%): Top 9.4% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 12.8% in tier
- Indirect Auto Dependency: Bottom 55.6% in tier
- Efficiency Drag: Bottom 99.3% in tier
- ROA 0.71% below tier average
- Efficiency ratio 6.40% above tier (higher cost structure)
- Delinquency rate 1.25% above tier average
- Average Member Relationship (AMR): Bottom 3.4% in tier
- Net Charge-Off Rate: Bottom 4.3% in tier
- Total Delinquency Rate (60+ days): Bottom 6.0% in tier
- Loan-to-Member Ratio (LMR): Bottom 9.4% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Members	86,171 +9.3% YoY+1.0% QoQ	+34.1K	52,084 -1.6% YoY	9,309 +1.0% YoY	33,374 +5.7% YoY	Top 3.4% in tier
Assets	$800.8M +10.4% YoY-2.3% QoQ	$-63.1M	$863.9M +0.5% YoY	$122.7M +4.8% YoY	$561.6M +9.7% YoY	25%
Loans	$698.0M +11.2% YoY+1.4% QoQ	+$92.2M	$605.8M +1.4% YoY	$87.2M +3.5% YoY	$397.0M +8.8% YoY	80%
Deposits	$711.0M +12.6% YoY-2.8% QoQ	$-26.3M	$737.3M +0.1% YoY	$104.9M +5.6% YoY	$477.3M +9.7% YoY	38%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.0% -89.7% YoY-89.0% QoQ	-0.7%	0.7% +39.1% YoY	0.3% +12.6% YoY	0.7% +15.9% YoY	Bottom 7.7% in tier
NIM	5.5% +3.3% YoY+2.7% QoQ	+2.1%	3.4% +8.7% YoY	4.2% +2.9% YoY	3.8% +5.1% YoY	Top 1.7% in tier
Efficiency Ratio	80.7% -3.6% YoY+0.6% QoQ	+6.4%	74.3% -3.6% YoY	85.6% -13.2% YoY	79.7% -3.3% YoY	71%
Delinquency Rate	2.1% -5.1% YoY+3.9% QoQ	+1.2	0.9% +3.8% YoY	1.9% -8.2% YoY	1.3% -2.1% YoY	Top 6.0% in tier
Loan To Share	98.2% -1.2% YoY+4.3% QoQ	+15.6%	82.6% +1.1% YoY	71.2% -2.0% YoY	67.4% -1.7% YoY	Top 10.3% in tier
AMR	$16,351 +2.3% YoY-1.7% QoQ	$-13K	$28,873 +2.7% YoY	$13,375 +3.1% YoY	$19,687 +2.0% YoY	Bottom 2.6% in tier
CD Concentration	38.5% +5.2% YoY+2.6% QoQ	+14.1%	24.4%	15.2%	19.8%	Top 9.5% in tier
Indirect Auto %	21.1% +38.7% YoY+5.0% QoQ	+7.3%	13.8%	5.0%	7.8%	73%

Signature Analysis

Strengths (1)

Organic Growth Engine

growth

#383 of 595 • Top 64.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 9.34%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.04%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 21.13%

(Tier: 13.79%, National: 7.78%)

but worse than tier avg

913 nationally

→ No prior data (595 CUs now) | New qualifier

Concerns (3)

Liquidity Strain

risk

#30 of 228 • Bottom 12.8% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 98.17%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 11.20%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

228 of 282 Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#282 of 506 • Bottom 55.6% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 10.44%

(Tier: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 21.13%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 9.34%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

745 nationally

↓ Shrinking -35 CUs YoY | Rank improving

Efficiency Drag

risk

#534 of 538 • Bottom 99.3% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 80.74%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.34% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): 9.34%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

633 nationally

↓ Shrinking -98 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 117 peers in tier

Top Strengths (10 metrics)

Net Interest Margin (NIM)

profitability

Value: 5.46%

Peer Median: -

#2 of 117 Top 0.9% in 750M-1B tier

Total Members

engagement

Value: 86,171

Peer Median: -

#4 of 117 Top 2.6% in 750M-1B tier

Fee Income Per Member

profitability

Value: $410.66

Peer Median: -

#5 of 117 Top 3.4% in 750M-1B tier

Member Growth Rate

growth

Value: 9.34%

Peer Median: -

#6 of 117 Top 4.3% in 750M-1B tier

Loan-to-Share Ratio

balance_sheet

Value: 98.17%

Peer Median: -

#12 of 117 Top 9.4% in 750M-1B tier

First Mortgage Concentration (%)

balance_sheet

Value: 14.70%

Peer Median: -

#12 of 117 Top 9.4% in 750M-1B tier

Deposit Growth Rate

growth

Value: 12.59%

Peer Median: -

#14 of 117 Top 11.1% in 750M-1B tier

Loan Growth Rate

growth

Value: 11.20%

Peer Median: -

#18 of 117 Top 14.5% in 750M-1B tier

Asset Growth Rate

growth

Value: 10.44%

Peer Median: -

#21 of 117 Top 17.1% in 750M-1B tier

Total Loans

balance_sheet

Value: $697.98M

Peer Median: -

#24 of 117 Top 19.7% in 750M-1B tier

Top Weaknesses (8 metrics)

114

Average Member Relationship (AMR)

engagement

Value: $16,351

Peer Median: -

#114 of 117 Bottom 3.4% in 750M-1B tier

113

Net Charge-Off Rate

risk

Value: 1.72%

Peer Median: -

#113 of 117 Bottom 4.3% in 750M-1B tier

111

Total Delinquency Rate (60+ days)

risk

Value: 2.13%

Peer Median: -

#111 of 117 Bottom 6.0% in 750M-1B tier

108

Return on Assets (ROA)

profitability

Value: 0.04%

Peer Median: -

#108 of 117 Bottom 8.5% in 750M-1B tier

107

Loan-to-Member Ratio (LMR)

engagement

Value: $8,100

Peer Median: -

#107 of 117 Bottom 9.4% in 750M-1B tier

106

Share Certificate Concentration (%)

balance_sheet

Value: 38.48%

Peer Median: -

#106 of 117 Bottom 10.3% in 750M-1B tier

104

Members Per Employee (MPE)

engagement

Value: 252.701

Peer Median: -

#104 of 117 Bottom 12.0% in 750M-1B tier

Net Worth Ratio

risk

Value: 9.35%

Peer Median: -

#89 of 117 Bottom 24.8% in 750M-1B tier