BlastPoint's Credit Union Scorecard

SOUTHWEST LOUISIANA

Charter #62756 · LA

1069 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 66.8% in tier
  • + Organic Growth Engine: Top 78.1% in tier
  • + Emerging Performer: Top 91.7% in tier
  • + Net Interest Margin 1.21% above tier average
  • + Loan-to-Share Ratio: Top 3.5% in tier
  • + Fee Income Per Member: Top 4.8% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 23.8% in tier
  • - ROA 0.06% below tier average
  • - Efficiency ratio 2.49% above tier (higher cost structure)
  • - Delinquency rate 0.20% above tier average
  • - Net Charge-Off Rate: Bottom 8.0% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Members 19,190
+1.7% YoY+0.1% QoQ
 +3.8K 15,437
-2.9% YoY
 9,309
+1.0% YoY
 33,374
+5.7% YoY
 74%
Assets $177.8M
+2.3% YoY+0.4% QoQ
 $-54.0M $231.9M
+1.3% YoY
 $122.7M
+4.8% YoY
 $561.6M
+9.7% YoY
 43%
Loans $146.2M
+6.9% YoY+0.8% QoQ
 $-1.1M $147.3M
-0.1% YoY
 $87.2M
+3.5% YoY
 $397.0M
+8.8% YoY
 59%
Deposits $148.3M
+1.6% YoY-0.7% QoQ
 $-52.5M $200.8M
+0.8% YoY
 $104.9M
+5.6% YoY
 $477.3M
+9.7% YoY
 40%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 0.7%
+286.0% YoY+21.1% QoQ
 -0.1% 0.8%
+18.2% YoY
 0.3%
+12.6% YoY
 0.7%
+15.9% YoY
 45%
NIM 4.8%
+8.8% YoY+1.6% QoQ
 +1.2% 3.6%
+6.7% YoY
 4.2%
+2.9% YoY
 3.8%
+5.1% YoY
 Top 4.4% in tier
Efficiency Ratio 79.5%
-6.8% YoY-2.4% QoQ
 +2.5% 77.0%
-3.1% YoY
 85.6%
-13.2% YoY
 79.7%
-3.3% YoY
 58%
Delinquency Rate 1.1%
-16.2% YoY+14.9% QoQ
 +0.2 0.9%
+4.2% YoY
 1.9%
-8.2% YoY
 1.3%
-2.1% YoY
 74%
Loan To Share 98.6%
+5.1% YoY+1.5% QoQ
 +26.4% 72.2%
-1.1% YoY
 71.2%
-2.0% YoY
 67.4%
-1.7% YoY
 Top 3.6% in tier
AMR $15,348
+2.4% YoY-0.1% QoQ
 $-9K $24,676
+3.4% YoY
 $13,375
+3.1% YoY
 $19,687
+2.0% YoY
 Bottom 11.1% in tier
CD Concentration 28.1%
+7.6% YoY+2.4% QoQ
 +3.7% 24.4% 15.2% 19.8% 50%
Indirect Auto % 9.0%
+4.2% YoY-1.4% QoQ
 -4.8% 13.8% 5.0% 7.8% 50%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth
#285 of 426 • Top 66.8% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 1.73%
(Tier: 0.69%, National: 4.32%)
better than tier avg
Indirect Auto %: 9.03%
(Tier: 13.79%, National: 7.78%)
better than tier avg
426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally
→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth
#465 of 595 • Top 78.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.73%
(Tier: 0.69%, National: 4.32%)
better than tier avg
Return on Assets: 0.70%
(Tier: 0.75%, National: 0.67%)
but worse than tier avg
Indirect Auto %: 9.03%
(Tier: 13.79%, National: 7.78%)
better than tier avg
595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally
→ No prior data (595 CUs now) | New qualifier

Emerging Performer

growth
#167 of 182 • Top 91.7% 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: 0.70%
(Tier: 0.75%, National: 0.67%)
but worse than tier avg
Member Growth (YoY): 1.73%
(Tier: 0.69%, National: 4.32%)
better than tier avg
182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally
→ No prior data (182 CUs now) | New qualifier

Concerns (1)

Liquidity Strain

risk
#55 of 228 • Bottom 23.8% in tier

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

Why This Signature
Loan-to-Share Ratio: 98.60%
(Tier: 74.08%, National: 67.44%)
but better than tier avg
Loan Growth (YoY): 6.86%
(Tier: 4.11%, National: 111.96%)
but better than tier avg
228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally
↓ Shrinking -37 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 1069 peers in tier

Top Strengths (4 metrics)

38
Loan-to-Share Ratio
balance_sheet
Value: 98.60%
Peer Median: -
#38 of 1069 Top 3.5% in 100M-500M tier
47
Net Interest Margin (NIM)
profitability
Value: 4.82%
Peer Median: -
#47 of 1069 Top 4.3% in 100M-500M tier
52
Fee Income Per Member
profitability
Value: $307.36
Peer Median: -
#52 of 1069 Top 4.8% in 100M-500M tier
122
Net Worth Ratio
risk
Value: 15.95%
Peer Median: -
#122 of 1069 Top 11.3% in 100M-500M tier

Top Weaknesses (2 metrics)

985
Net Charge-Off Rate
risk
Value: 1.15%
Peer Median: -
#985 of 1069 Bottom 8.0% in 100M-500M tier
950
Average Member Relationship (AMR)
engagement
Value: $15,348
Peer Median: -
#950 of 1069 Bottom 11.2% in 100M-500M tier
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