BlastPoint's Credit Union Scorecard
DEPARTMENT OF CORRECTIONS
Charter #62808 · LA
DEPARTMENT OF CORRECTIONS has 10 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 2.8% in tier
- + Organic Growth Leader: Top 13.9% in tier
- + Profitability Leader: Top 21.8% in tier
- + Emerging Performer: Top 22.1% in tier
- + ROA 0.96% above tier average
- + Net Interest Margin 1.62% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 1.3% in tier
- + Deposit Growth Rate: Top 7.4% in tier
- + Asset Growth Rate: Top 8.2% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 3.1% in tier
- - Cost Spiral: Bottom 21.4% in tier
- - Liquidity Overhang: Bottom 24.1% in tier
- - Average Member Relationship (AMR): Bottom 1.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.8% in tier
- - Total Deposits: Bottom 6.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,386
+2.9% YoY+0.6% QoQ
|
-1.2K |
15,628
-3.4% YoY
|
9,352
+2.6% YoY
|
33,089
+6.1% YoY
|
55% |
| Assets |
$123.0M
+11.1% YoY+1.9% QoQ
|
$-108.3M |
$231.3M
-0.0% YoY
|
$121.4M
+4.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 14.9% in tier |
| Loans |
$71.2M
-0.2% YoY+1.2% QoQ
|
$-76.6M |
$147.8M
-1.4% YoY
|
$86.9M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
16% |
| Deposits |
$94.2M
+11.9% YoY+1.8% QoQ
|
$-106.1M |
$200.3M
-0.0% YoY
|
$103.9M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 5.9% in tier |
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| ROA |
1.7%
-30.5% YoY-6.2% QoQ
|
+1.0% |
0.8%
+15.5% YoY
|
0.5%
+1.1% YoY
|
0.7%
+273.4% YoY
|
Top 6.2% in tier |
| NIM |
5.2%
-5.2% YoY-2.2% QoQ
|
+1.6% |
3.6%
+6.9% YoY
|
4.3%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Top 1.9% in tier |
| Efficiency Ratio |
74.5%
+9.0% YoY+1.2% QoQ
|
-2.8% |
77.3%
-3.0% YoY
|
82.9%
-3.6% YoY
|
79.1%
-3.3% YoY
|
40% |
| Delinquency Rate |
0.4%
-22.2% YoY+13.1% QoQ
|
-0.5 |
0.9%
+7.6% YoY
|
1.8%
-12.2% YoY
|
1.2%
-0.9% YoY
|
27% |
| Loan To Share |
75.6%
-10.8% YoY-0.6% QoQ
|
+2.9% |
72.7%
-1.5% YoY
|
70.9%
-2.6% YoY
|
68.0%
-1.7% YoY
|
53% |
| AMR |
$11,498
+3.3% YoY+0.9% QoQ
|
$-13K |
$24,363
+2.9% YoY
|
$13,297
+2.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 1.0% in tier |
| CD Concentration |
22.7%
+4.6% YoY+1.1% QoQ
|
-1.7% |
24.4%
+4.2% YoY
|
15.0%
+9.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.3%
+10.6% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
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.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
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)