BlastPoint's Credit Union Scorecard

PELICAN

Charter #62710 · LA

Community 750M-1B
117 CUs in 750M-1B nationally 4 in LA
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PELICAN has 7 strengths but faces 8 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

  • + Net Interest Margin 2.33% above tier average
  • + Strong member growth: 9.8% YoY
  • + Fee Income Per Member: Top 1.7% in tier
  • + Total Members: Top 1.7% in tier
  • + Member Growth Rate: Top 4.3% in tier
  • + Loan-to-Share Ratio: Top 5.1% in tier
  • + First Mortgage Concentration (%): Top 7.7% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 2.3% in tier
  • - Indirect Auto Dependency: Bottom 22.2% in tier
  • - Shrinking Wallet Share: Bottom 90.3% in tier
  • - ROA 1.21% below tier average
  • - Delinquency rate 1.01% above tier average
  • - Net Charge-Off Rate: Bottom 0.9% in tier
  • - Average Member Relationship (AMR): Bottom 3.4% in tier
  • - Total Delinquency Rate (60+ days): Bottom 4.3% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Members 88,080
+9.8% YoY+2.2% QoQ
 +36.6K 51,500
+0.7% YoY
 9,512
+2.6% YoY
 33,913
+5.7% YoY
 Top 2.6% in tier
Assets $827.2M
+7.5% YoY+3.3% QoQ
 $-38.4M $865.6M
+0.9% YoY
 $128.1M
+5.9% YoY
 $578.3M
+9.0% YoY
 37%
Loans $710.0M
+8.6% YoY+1.7% QoQ
 +$114.8M $595.3M
+1.6% YoY
 $89.6M
+5.7% YoY
 $402.4M
+8.7% YoY
 Top 14.5% in tier
Deposits $710.6M
+5.6% YoY-0.1% QoQ
 $-31.6M $742.2M
+0.6% YoY
 $109.6M
+6.0% YoY
 $494.3M
+9.1% YoY
 35%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA -0.4%
-231.3% YoY
 -1.2% 0.8%
+45.0% YoY
 0.1%
-79.1% YoY
 0.4%
-39.2% YoY
 Bottom 0.9% in tier
NIM 5.8%
+5.0% YoY+5.9% QoQ
 +2.3% 3.5%
+6.1% YoY
 4.2%
-0.4% YoY
 3.8%
+4.1% YoY
 Top 0.9% in tier
Efficiency Ratio 73.8%
-2.1% YoY-8.5% QoQ
 -1.7% 75.5%
-3.4% YoY
 88.0%
+2.9% YoY
 84.6%
+2.8% YoY
 32%
Delinquency Rate 1.7%
-13.1% YoY-20.6% QoQ
 +1.0 0.7%
-0.1% YoY
 1.7%
-21.7% YoY
 1.2%
+3.4% YoY
 Bottom 4.3% in tier
Loan To Share 99.9%
+2.8% YoY+1.8% QoQ
 +19.3% 80.6%
+0.7% YoY
 68.2%
-2.4% YoY
 65.6%
-1.4% YoY
 Top 6.0% in tier
AMR $16,129
-2.5% YoY-1.4% QoQ
 $-13K $28,908
+0.7% YoY
 $13,483
+2.5% YoY
 $19,920
+1.6% YoY
 Bottom 2.6% in tier
CD Concentration 34.0%
-2.9% YoY-11.7% QoQ
 +9.7% 24.3% 14.9% 19.8% 82%
Indirect Auto % 22.5%
+20.0% YoY+6.4% QoQ
 +8.7% 13.8% 5.1% 7.7% 74%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Liquidity Strain

risk
#23 of 183 • Bottom 2.3% in tier

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

Why This Signature
Loan-to-Share Ratio: 99.92%
(Tier: 72.31%, National: 65.58%)
but better than tier avg
Loan Growth (YoY): 8.57%
(Tier: 4.14%, National: 1.74%)
but better than tier avg
183 of 284 Community CUs have this signature | 367 nationally
→ Stable (182→183 CUs) +1 CUs YoY | Rank improving

Shrinking Wallet Share

decline
#131 of 238 • Bottom 90.3% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -2.51%
(Tier: 3.74%, National: 6.36%)
worse than tier avg
238 of 284 Community CUs have this signature | 335 nationally
↓ Shrinking -109 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#323 of 504 • Bottom 22.2% in tier

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

Why This Signature
Asset Growth (YoY): 7.55%
(Tier: 4.68%, National: 1663.40%)
but better than tier avg
Indirect Auto %: 22.47%
(Tier: 13.80%, National: 7.73%)
worse than tier avg
Member Growth (YoY): 9.83%
(Tier: 0.72%, National: 10.19%)
but better than tier avg
745 nationally
↓ Shrinking -29 CUs YoY | Rank improving

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)

Comparing against 117 peers in tier

Top Strengths (8 metrics)

1
Net Interest Margin (NIM)
profitability
Value: 5.78%
Peer Median: 3.47%
#1 of 117 Top 0.1% in 750M-1B tier
3
Fee Income Per Member
profitability
Value: $490.91
Peer Median: $187.56
#3 of 117 Top 1.7% in 750M-1B tier
3
Total Members
engagement
Value: 88,080
Peer Median: 51,712
#3 of 117 Top 1.7% in 750M-1B tier
6
Member Growth Rate
growth
Value: 9.83%
Peer Median: 0.97%
#6 of 117 Top 4.3% in 750M-1B tier
7
Loan-to-Share Ratio
balance_sheet
Value: 99.92%
Peer Median: 84.41%
#7 of 117 Top 5.1% in 750M-1B tier
10
First Mortgage Concentration (%)
balance_sheet
Value: 14.22%
Peer Median: 32.60%
#10 of 117 Top 7.7% in 750M-1B tier
17
Total Loans
balance_sheet
Value: $710.02M
Peer Median: $618.21M
#17 of 117 Top 13.7% in 750M-1B tier
30
Loan Growth Rate
growth
Value: 8.57%
Peer Median: 4.33%
#30 of 117 Top 24.8% in 750M-1B tier

Top Weaknesses (9 metrics)

117
Net Charge-Off Rate
risk
Value: 2.89%
Peer Median: 0.47%
#117 of 117 Bottom 0.9% in 750M-1B tier
116
Return on Assets (ROA)
profitability
Value: -0.45%
Peer Median: 0.63%
#116 of 117 Bottom 1.7% in 750M-1B tier
114
Average Member Relationship (AMR)
engagement
Value: $16,129
Peer Median: $26,209
#114 of 117 Bottom 3.4% in 750M-1B tier
113
Total Delinquency Rate (60+ days)
risk
Value: 1.69%
Peer Median: 0.56%
#113 of 117 Bottom 4.3% in 750M-1B tier
108
Loan-to-Member Ratio (LMR)
engagement
Value: $8,061
Peer Median: $11,598
#108 of 117 Bottom 8.5% in 750M-1B tier
107
AMR Growth Rate
growth
Value: -2.51%
Peer Median: 3.70%
#107 of 117 Bottom 9.4% in 750M-1B tier
105
Members Per Employee (MPE)
engagement
Value: 255.304
Peer Median: 328.468
#105 of 117 Bottom 11.1% in 750M-1B tier
99
Net Worth Ratio
risk
Value: 8.82%
Peer Median: 10.69%
#99 of 117 Bottom 16.2% in 750M-1B tier
92
Share Certificate Concentration (%)
balance_sheet
Value: 33.98%
Peer Median: 26.77%
#92 of 117 Bottom 22.2% in 750M-1B tier
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