BlastPoint's Credit Union Scorecard
IMMACULATE HEART OF MARY
Charter #63143 · LA
IMMACULATE HEART OF MARY has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Worth Ratio: Top 5.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 2.59% above tier (higher cost structure)
- - Delinquency rate 7.85% above tier average
- - Member decline: -5.4% YoY
- - Average Member Relationship (AMR): Bottom 2.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 2.6% in tier
- - Total Deposits: Bottom 3.5% in tier
- - Total Assets: Bottom 3.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
351
-5.4% YoY-0.6% QoQ
|
-2.3K |
2,676
+1.6% YoY
|
9,512
+2.6% YoY
|
33,913
+5.7% YoY
|
Bottom 9.3% in tier |
| Assets |
$614,678
-1.4% YoY-1.7% QoQ
|
$-29.6M |
$30.2M
+1.3% YoY
|
$128.1M
+5.9% YoY
|
$578.3M
+9.0% YoY
|
Bottom 3.7% in tier |
| Loans |
$174,158
-14.4% YoY-6.6% QoQ
|
$-15.1M |
$15.3M
-2.0% YoY
|
$89.6M
+5.7% YoY
|
$402.4M
+8.7% YoY
|
Bottom 3.9% in tier |
| Deposits |
$422,826
-3.4% YoY-2.2% QoQ
|
$-25.4M |
$25.8M
+0.7% YoY
|
$109.6M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 3.5% in tier |
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| ROA |
0.2%
-29.7% YoY-80.7% QoQ
|
+0.0% |
0.1%
-77.6% YoY
|
0.1%
-79.1% YoY
|
0.4%
-39.2% YoY
|
29% |
| NIM |
2.9%
+0.8% YoY-13.1% QoQ
|
-1.1% |
4.0%
+4.0% YoY
|
4.2%
-0.4% YoY
|
3.8%
+4.1% YoY
|
15% |
| Efficiency Ratio |
93.2%
+3.3% YoY+34.2% QoQ
|
+2.6% |
90.6%
+6.5% YoY
|
88.0%
+2.9% YoY
|
84.6%
+2.8% YoY
|
75% |
| Delinquency Rate |
9.4%
+0.1% YoY-4.8% QoQ
|
+7.8 |
1.5%
+3.8% YoY
|
1.7%
-21.7% YoY
|
1.2%
+3.4% YoY
|
Bottom 2.6% in tier |
| Loan To Share |
41.2%
-11.3% YoY-4.4% QoQ
|
-17.3% |
58.5%
-3.0% YoY
|
68.2%
-2.4% YoY
|
65.6%
-1.4% YoY
|
23% |
| AMR |
$1,701
-1.6% YoY-3.0% QoQ
|
$-13K |
$14,884
-1.7% YoY
|
$13,483
+2.5% YoY
|
$19,920
+1.6% YoY
|
Bottom 2.0% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 14.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.1% | 7.7% | 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)