BlastPoint's Credit Union Scorecard

DEPARTMENT OF CORRECTIONS

Charter #62808 · LA

100M-500M

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

DEPARTMENT OF CORRECTIONS has 4 strengths but faces 7 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

+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 1.09% above tier average
+ Net Interest Margin 1.55% above tier average
+ Net Worth Ratio: Top 1.1% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Member decline: -4.1% YoY
- Average Member Relationship (AMR): Bottom 2.4% in tier
- Total Deposits: Bottom 6.8% in tier
- Loan-to-Member Ratio (LMR): Bottom 8.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Members	13,554 -4.1% YoY-6.2% QoQ	-1.6K	15,145 -2.5% YoY	9,512 +2.6% YoY	33,913 +5.7% YoY	52%
Assets	$124.6M +7.4% YoY+4.1% QoQ	$-107.1M	$231.7M +0.8% YoY	$128.1M +5.9% YoY	$578.3M +9.0% YoY	16%
Loans	$72.6M +3.1% YoY-0.8% QoQ	$-71.5M	$144.1M +0.2% YoY	$89.6M +5.7% YoY	$402.4M +8.7% YoY	19%
Deposits	$94.8M +7.0% YoY+4.8% QoQ	$-106.4M	$201.1M +0.4% YoY	$109.6M +6.0% YoY	$494.3M +9.1% YoY	Bottom 6.7% in tier

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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	1.8% +23.9% YoY+0.1% QoQ	+1.1%	0.7% +5.1% YoY	0.1% -79.1% YoY	0.4% -39.2% YoY	Top 5.7% in tier
NIM	5.2% -3.1% YoY-2.3% QoQ	+1.6%	3.6% +4.6% YoY	4.2% -0.4% YoY	3.8% +4.1% YoY	Top 2.0% in tier
Efficiency Ratio	75.0% -1.2% YoY+1.4% QoQ	-3.0%	78.0% -1.7% YoY	88.0% +2.9% YoY	84.6% +2.8% YoY	38%
Delinquency Rate	0.4% -34.9% YoY-19.9% QoQ	-0.4	0.8% +7.1% YoY	1.7% -21.7% YoY	1.2% +3.4% YoY	30%
Loan To Share	76.6% -3.7% YoY-5.3% QoQ	+6.2%	70.4% -0.4% YoY	68.2% -2.4% YoY	65.6% -1.4% YoY	59%
AMR	$12,350 +9.8% YoY+9.0% QoQ	$-13K	$24,918 +2.7% YoY	$13,483 +2.5% YoY	$19,920 +1.6% YoY	Bottom 2.3% in tier
CD Concentration	21.4% -1.6% YoY-4.8% QoQ	-2.9%	24.3%	14.9%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	5.1%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#135 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 9.75%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (3)

Liquidity Overhang

risk

#39 of 126 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 23.32%

(Tier: 11.91%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 76.63%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

126 of 1070 Mid-Small & Community CUs have this signature | 143 nationally

↑ Growing +19 CUs YoY | Rank worsening

Membership Headwinds

decline

#177 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -4.06%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#311 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -4.06%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 3.09%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.39%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

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 (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Net Worth Ratio

risk

Value: 23.32%

Peer Median: 11.45%

#13 of 1070 Top 1.1% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 5.18%

Peer Median: 3.62%

#21 of 1070 Top 1.9% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.81%

Peer Median: 0.69%

#61 of 1070 Top 5.6% in 100M-500M tier

111

AMR Growth Rate

growth

Value: 9.75%

Peer Median: 3.46%

#111 of 1070 Top 10.3% in 100M-500M tier

149

Fee Income Per Member

profitability

Value: $235.81

Peer Median: $154.95

#149 of 1070 Top 13.8% in 100M-500M tier

235

Asset Growth Rate

growth

Value: 7.39%

Peer Median: 3.91%

#235 of 1070 Top 21.9% in 100M-500M tier

237

Deposit Growth Rate

growth

Value: 7.05%

Peer Median: 3.30%

#237 of 1070 Top 22.1% in 100M-500M tier

Top Weaknesses (6 metrics)

1045

Average Member Relationship (AMR)

engagement

Value: $12,350

Peer Median: $22,931

#1045 of 1070 Bottom 2.4% in 100M-500M tier

998

Total Deposits

balance_sheet

Value: $94.77M

Peer Median: $171.29M

#998 of 1070 Bottom 6.8% in 100M-500M tier

985

Loan-to-Member Ratio (LMR)

engagement

Value: $5,358

Peer Median: $9,356

#985 of 1070 Bottom 8.0% in 100M-500M tier

921

Member Growth Rate

growth

Value: -4.06%

Peer Median: -0.06%

#921 of 1070 Bottom 14.0% in 100M-500M tier

901

Total Assets

balance_sheet

Value: $124.58M

Peer Median: $196.57M

#901 of 1070 Bottom 15.9% in 100M-500M tier

865

Total Loans

balance_sheet

Value: $72.62M

Peer Median: $121.41M

#865 of 1070 Bottom 19.3% in 100M-500M tier