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
- - Delinquency rate 31.00% above tier average
- - Member decline: -5.2% YoY
- - Total Delinquency Rate (60+ days): Bottom 0.6% in tier
- - Average Member Relationship (AMR): Bottom 1.9% in tier
- - Fee Income Per Member: Bottom 3.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.2% in tier
- - Total Deposits: Bottom 3.4% in tier
- - Total Assets: Bottom 3.5% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 107 that size in Louisiana.
- Shares and deposits -3.5% year over year ($427K in shares and deposits).
- Membership: 348 members, -5.2% vs a year ago.
- Delinquency rate 32.55%.
- Return on assets 1.47%.
- Efficiency ratio 62.70% vs a 88.77% peer average.
- Loan-to-share ratio 37.51% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
348
-5.2% YoY-0.9% QoQ
|
-2.2K |
2,585
-1.7% YoY
|
9,550
+2.7% YoY
|
34,678
+6.6% YoY
|
Bottom 9.2% in tier |
| Assets |
$622,207
-1.8% YoY+1.2% QoQ
|
$-29.7M |
$30.3M
+1.5% YoY
|
$130.2M
+7.1% YoY
|
$593.1M
+10.2% YoY
|
Bottom 3.4% in tier |
| Loans |
$160,160
-15.2% YoY-8.0% QoQ
|
$-15.3M |
$15.5M
-1.7% YoY
|
$92.6M
+7.3% YoY
|
$418.6M
+10.1% YoY
|
Bottom 3.6% in tier |
| Deposits |
$427,003
-3.5% YoY+1.0% QoQ
|
$-25.4M |
$25.8M
+1.1% YoY
|
$111.6M
+7.6% YoY
|
$504.8M
+10.3% YoY
|
Bottom 3.4% in tier |
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| ROA |
1.5%
-29.6% YoY+648.9% QoQ
|
+0.0% |
1.5%
+241.5% YoY
|
1.1%
+258.0% YoY
|
1.2%
+121.4% YoY
|
78% |
| NIM |
3.9%
-11.3% YoY+36.2% QoQ
|
+0.0% |
3.9%
+0.9% YoY
|
4.2%
-0.2% YoY
|
3.8%
+2.3% YoY
|
53% |
| Efficiency Ratio |
62.7%
+18.3% YoY-32.7% QoQ
|
-26.1% |
88.8%
-6.9% YoY
|
89.3%
+0.7% YoY
|
83.0%
-5.3% YoY
|
Top 14.5% in tier |
| Delinquency Rate |
32.5%
+218.0% YoY+248.0% QoQ
|
+31.0 |
1.5%
+2.1% YoY
|
2.0%
+21.9% YoY
|
1.3%
+2.6% YoY
|
Bottom 0.6% in tier |
| Loan To Share |
37.5%
-12.1% YoY-8.9% QoQ
|
-21.4% |
58.9%
-3.1% YoY
|
68.1%
-2.7% YoY
|
66.4%
-1.4% YoY
|
19% |
| AMR |
$1,687
-1.9% YoY-0.8% QoQ
|
$-13K |
$14,963
-6.8% YoY
|
$13,536
+2.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 1.8% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 15.1% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 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)