BlastPoint's Credit Union Scorecard

SOUTHWEST LOUISIANA

Charter #62756 · LA

1077 CUs in 100M-500M nationally 22 in LA

SOUTHWEST LOUISIANA has 6 strengths but faces 6 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 26.6% in tier
+ Organic Growth Engine: Top 29.5% in tier
+ Emerging Performer: Top 100.0% in tier
+ Net Interest Margin 1.16% above tier average
+ Loan-to-Share Ratio: Top 5.5% in tier
+ Fee Income Per Member: Top 6.0% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 11.4% in tier
- Efficiency Drag: Bottom 22.8% in tier
- ROA 0.21% below tier average
- Efficiency ratio 4.18% above tier (higher cost structure)
- Delinquency rate 0.09% above tier average
- Net Charge-Off Rate: Bottom 7.7% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Members	19,167 +1.1% YoY+1.0% QoQ	+3.5K	15,628 -3.4% YoY	9,352 +2.6% YoY	33,089 +6.1% YoY	73%
Assets	$177.1M +1.0% YoY-0.3% QoQ	$-54.2M	$231.3M -0.0% YoY	$121.4M +4.9% YoY	$547.7M +7.8% YoY	42%
Loans	$145.1M +6.2% YoY+2.0% QoQ	$-2.7M	$147.8M -1.4% YoY	$86.9M +5.1% YoY	$388.7M +8.6% YoY	59%
Deposits	$149.4M +1.6% YoY+0.1% QoQ	$-50.9M	$200.3M -0.0% YoY	$103.9M +6.5% YoY	$464.6M +9.3% YoY	41%

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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% +121.5% YoY+37.9% QoQ	-0.2%	0.8% +15.5% YoY	0.5% +1.1% YoY	0.7% +273.4% YoY	38%
NIM	4.7% +8.3% YoY+3.7% QoQ	+1.2%	3.6% +6.9% YoY	4.3% +3.2% YoY	3.7% +5.0% YoY	Top 5.2% in tier
Efficiency Ratio	81.5% -4.0% YoY-2.6% QoQ	+4.2%	77.3% -3.0% YoY	82.9% -3.6% YoY	79.1% -3.3% YoY	65%
Delinquency Rate	0.9% -24.7% YoY-11.0% QoQ	+0.1	0.9% +7.6% YoY	1.8% -12.2% YoY	1.2% -0.9% YoY	68%
Loan To Share	97.1% +4.5% YoY+1.9% QoQ	+24.4%	72.7% -1.5% YoY	70.9% -2.6% YoY	68.0% -1.7% YoY	Top 5.6% in tier
AMR	$15,362 +2.7% YoY+0.0% QoQ	$-9K	$24,363 +2.9% YoY	$13,297 +2.9% YoY	$19,418 +1.3% YoY	Bottom 11.2% in tier
CD Concentration	27.4% +5.5% YoY+2.6% QoQ	+3.0%	24.4% +4.2% YoY	15.0% +9.1% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	9.2% +9.1% YoY+0.0% QoQ	-4.8%	14.0% -5.7% YoY	5.3% +10.6% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#351 of 430 • Top 26.6% in tier

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

Why This Signature

Member Growth (YoY): 1.12%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 9.15%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank improving

Organic Growth Engine

growth

#541 of 603 • Top 29.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.12%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.58%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 9.15%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Emerging Performer

growth

#191 of 191 • Top 100.0% 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: 0.77%, National: 0.71%)

but worse than tier avg

Member Growth (YoY): 1.12%

(Tier: 0.88%, National: 9.37%)

better than tier avg

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | New qualifier

Concerns (2)

Liquidity Strain

risk

#89 of 258 • Bottom 11.4% in tier

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

Why This Signature

Loan-to-Share Ratio: 97.10%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 6.21%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank improving

Efficiency Drag

risk

#402 of 521 • Bottom 22.8% in tier

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

Why This Signature

Efficiency Ratio: 81.46%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.32% points

(Tier: 0.11% points, National: 0.05% points)

but better than tier avg

Member Growth (YoY): 1.12%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (4 metrics)

Net Interest Margin (NIM)

profitability

Value: 4.74%

Peer Avg: -

#56 of 1077 Top 5.1% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 97.10%

Peer Avg: -

#60 of 1077 Top 5.5% in 100M-500M tier

Fee Income Per Member

profitability

Value: $293.03

Peer Avg: -

#66 of 1077 Top 6.0% in 100M-500M tier

128

Net Worth Ratio

risk

Value: 15.81%

Peer Avg: -

#128 of 1077 Top 11.8% in 100M-500M tier

Top Weaknesses (2 metrics)

995

Net Charge-Off Rate

risk

Value: 1.11%

Peer Avg: -

#995 of 1077 Bottom 7.7% in 100M-500M tier

956

Average Member Relationship (AMR)

engagement

Value: $15,362

Peer Avg: -

#956 of 1077 Bottom 11.3% in 100M-500M tier