BlastPoint's Credit Union Scorecard
FEDERAL EMPLOYEES
Charter #62929 · LA
FEDERAL EMPLOYEES has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.46% above tier average
- + Net Interest Margin 0.21% above tier average
- + Loan-to-Share Ratio: Top 4.2% in tier
- + Net Worth Ratio: Top 4.8% in tier
- + Loan-to-Member Ratio (LMR): Top 5.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.5% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,304
-2.5% YoY-0.9% QoQ
|
-1.3K |
2,615
-1.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
36% |
| Assets |
$22.6M
+4.4% YoY+1.2% QoQ
|
$-7.6M |
$30.1M
+2.1% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
51% |
| Loans |
$15.2M
-2.5% YoY-0.7% QoQ
|
$-568K |
$15.8M
-1.3% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
62% |
| Deposits |
$15.3M
+5.3% YoY+2.0% QoQ
|
$-10.4M |
$25.7M
+1.4% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
46% |
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| ROA |
1.1%
+5.6% YoY-36.4% QoQ
|
+0.5% |
0.6%
+10.8% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
69% |
| NIM |
4.2%
+5.2% YoY+0.6% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
61% |
| Efficiency Ratio |
66.3%
-9.9% YoY+6.2% QoQ
|
-16.3% |
82.6%
-2.3% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
20% |
| Delinquency Rate |
0.2%
-87.3% YoY-82.4% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
24% |
| Loan To Share |
99.6%
-7.4% YoY-2.7% QoQ
|
+39.0% |
60.6%
-3.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
Top 4.3% in tier |
| AMR |
$23,348
+3.8% YoY+1.6% QoQ
|
+$9K |
$14,783
-1.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
Top 11.3% in tier |
| CD Concentration |
15.9%
+18.7% YoY+9.4% QoQ
|
-8.5% | 24.4% | 15.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.0% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)