BlastPoint's Credit Union Scorecard

SOUTHWEST LOUISIANA

Charter #62756 · LA

100M-500M

1070 CUs in 100M-500M nationally 21 in LA

SOUTHWEST LOUISIANA has 6 strengths but faces 5 concerns

National Analysis

How does the industry compare?

LA Analysis

How does LA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ Net Interest Margin 1.18% above tier average
+ Loan-to-Share Ratio: Top 7.2% in tier
+ Fee Income Per Member: Top 8.4% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.15% below tier average
- Efficiency ratio 4.86% above tier (higher cost structure)
- Delinquency rate 0.24% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Members	19,296 +2.1% YoY+0.6% QoQ	+4.2K	15,145 -2.5% YoY	9,512 +2.6% YoY	33,913 +5.7% YoY	75%
Assets	$184.3M +1.9% YoY+3.6% QoQ	$-47.4M	$231.7M +0.8% YoY	$128.1M +5.9% YoY	$578.3M +9.0% YoY	45%
Loans	$144.3M +4.6% YoY-1.3% QoQ	+$173K	$144.1M +0.2% YoY	$89.6M +5.7% YoY	$402.4M +8.7% YoY	60%
Deposits	$156.1M +2.2% YoY+5.3% QoQ	$-45.0M	$201.1M +0.4% YoY	$109.6M +6.0% YoY	$494.3M +9.1% YoY	43%

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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	0.6% +261.5% YoY-17.8% QoQ	-0.2%	0.7% +5.1% YoY	0.1% -79.1% YoY	0.4% -39.2% YoY	41%
NIM	4.8% +6.4% YoY-0.1% QoQ	+1.2%	3.6% +4.6% YoY	4.2% -0.4% YoY	3.8% +4.1% YoY	Top 4.5% in tier
Efficiency Ratio	82.9% -1.6% YoY+4.2% QoQ	+4.9%	78.0% -1.7% YoY	88.0% +2.9% YoY	84.6% +2.8% YoY	65%
Delinquency Rate	1.0% -18.4% YoY-6.9% QoQ	+0.2	0.8% +7.1% YoY	1.7% -21.7% YoY	1.2% +3.4% YoY	76%
Loan To Share	92.4% +2.3% YoY-6.2% QoQ	+22.0%	70.4% -0.4% YoY	68.2% -2.4% YoY	65.6% -1.4% YoY	Top 7.3% in tier
AMR	$15,571 +1.2% YoY+1.4% QoQ	$-9K	$24,918 +2.7% YoY	$13,483 +2.5% YoY	$19,920 +1.6% YoY	Bottom 11.2% in tier
CD Concentration	27.0% +12.5% YoY-3.9% QoQ	+2.7%	24.3%	14.9%	19.8%	50%
Indirect Auto %	9.4% +2.6% YoY+4.6% QoQ	-4.4%	13.8%	5.1%	7.7%	50%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#218 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.09%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 9.44%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#304 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.09%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.58%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 9.44%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Emerging Performer

growth

#153 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.58%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Member Growth (YoY): 2.09%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Concerns (2)

Liquidity Strain

risk

#128 of 183 • Bottom 50.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 92.44%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 4.55%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | Rank improving

Efficiency Drag

risk

#476 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 82.88%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.42% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): 2.09%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 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 1070 peers in tier

Top Strengths (5 metrics)

Net Interest Margin (NIM)

profitability

Value: 4.81%

Peer Median: 3.62%

#48 of 1070 Top 4.4% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 92.44%

Peer Median: 71.88%

#78 of 1070 Top 7.2% in 100M-500M tier

Fee Income Per Member

profitability

Value: $263.84

Peer Median: $154.95

#91 of 1070 Top 8.4% in 100M-500M tier

135

Net Worth Ratio

risk

Value: 15.54%

Peer Median: 11.45%

#135 of 1070 Top 12.5% in 100M-500M tier

268

Total Members

engagement

Value: 19,296

Peer Median: 13,200

#268 of 1070 Top 25.0% in 100M-500M tier

Top Weaknesses (3 metrics)

950

Average Member Relationship (AMR)

engagement

Value: $15,571

Peer Median: $22,931

#950 of 1070 Bottom 11.3% in 100M-500M tier

931

Net Charge-Off Rate

risk

Value: 0.93%

Peer Median: 0.35%

#931 of 1070 Bottom 13.1% in 100M-500M tier

819

Total Delinquency Rate (60+ days)

risk

Value: 1.01%

Peer Median: 0.61%

#819 of 1070 Bottom 23.6% in 100M-500M tier