BlastPoint's Credit Union Scorecard
N.O. PORT COMMISSION EMPLOYEES
Charter #62936 · LA
N.O. PORT COMMISSION EMPLOYEES has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.91% above tier average
- + AMR Growth Rate: Top 5.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.68% below tier average
- - Efficiency ratio 11.86% above tier (higher cost structure)
- - Member decline: -15.1% YoY
- - Member Growth Rate: Bottom 2.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
577
-15.1% YoY+0.3% QoQ
|
-2.0K |
2,615
-1.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
16% |
| Assets |
$3.4M
+0.6% YoY-1.1% QoQ
|
$-26.7M |
$30.1M
+2.1% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
Bottom 14.0% in tier |
| Loans |
$2.0M
-10.5% YoY-0.9% QoQ
|
$-13.7M |
$15.8M
-1.3% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
18% |
| Deposits |
$2.9M
+2.3% YoY-0.9% QoQ
|
$-22.8M |
$25.7M
+1.4% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
15% |
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| ROA |
-0.1%
-82.4% YoY-133.9% QoQ
|
-0.7% |
0.6%
+10.8% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
Bottom 14.7% in tier |
| NIM |
4.9%
+24.4% YoY+3.6% QoQ
|
+0.9% |
4.0%
+4.0% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
83% |
| Efficiency Ratio |
94.4%
-12.5% YoY-2.2% QoQ
|
+11.9% |
82.6%
-2.3% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
82% |
| Delinquency Rate |
1.4%
+16.6% YoY+64.0% QoQ
|
-0.2 |
1.6%
-3.1% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
69% |
| Loan To Share |
69.2%
-12.5% YoY-0.0% QoQ
|
+8.6% |
60.6%
-3.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
63% |
| AMR |
$8,611
+13.9% YoY-1.2% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
21% |
| CD Concentration | 0.0% | -24.4% | 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)