BlastPoint's Credit Union Scorecard
DEPARTMENT OF CORRECTIONS
Charter #62808 · LA
DEPARTMENT OF CORRECTIONS has 7 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 6.6% in tier
- + Emerging Performer: Top 26.0% in tier
- + Organic Growth Leader: Top 51.1% in tier
- + ROA 1.05% above tier average
- + Net Interest Margin 1.70% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 1.1% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 5.7% in tier
- - Liquidity Overhang: Bottom 34.3% in tier
- - Cost Spiral: Bottom 82.2% in tier
- - Average Member Relationship (AMR): Bottom 1.2% in tier
- - Total Deposits: Bottom 3.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,446
+2.5% YoY+0.4% QoQ
|
-991 |
15,437
-2.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
56% |
| Assets |
$119.6M
+4.6% YoY-2.7% QoQ
|
$-112.2M |
$231.9M
+1.3% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
Bottom 13.0% in tier |
| Loans |
$73.2M
+1.8% YoY+2.8% QoQ
|
$-74.1M |
$147.3M
-0.1% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
18% |
| Deposits |
$90.4M
+3.5% YoY-4.0% QoQ
|
$-110.4M |
$200.8M
+0.8% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 3.6% in tier |
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| ROA |
1.8%
-27.1% YoY+3.6% QoQ
|
+1.0% |
0.8%
+18.2% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
Top 4.0% in tier |
| NIM |
5.3%
-4.2% YoY+2.0% QoQ
|
+1.7% |
3.6%
+6.7% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
Top 1.6% in tier |
| Efficiency Ratio |
73.9%
+7.6% YoY-0.7% QoQ
|
-3.1% |
77.0%
-3.1% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
36% |
| Delinquency Rate |
0.5%
-33.2% YoY+25.4% QoQ
|
-0.4 |
0.9%
+4.2% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
31% |
| Loan To Share |
81.0%
-1.7% YoY+7.1% QoQ
|
+8.7% |
72.2%
-1.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
66% |
| AMR |
$11,329
+0.3% YoY-1.5% QoQ
|
$-13K |
$24,676
+3.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
Bottom 1.1% in tier |
| CD Concentration |
22.4%
+2.1% YoY-1.3% QoQ
|
-2.0% | 24.4% | 15.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.0% | 7.8% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (3)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
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)