BlastPoint's Credit Union Scorecard
IMMACULATE HEART OF MARY
Charter #63143 · LA
2556 CUs in <100M nationally
109 in LA
IMMACULATE HEART OF MARY has 6 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.39% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 5.8% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 8.27% above tier average
- - Member decline: -5.6% YoY
- - Average Member Relationship (AMR): Bottom 2.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 2.3% in tier
- - Fee Income Per Member: Bottom 3.5% in tier
- - Total Deposits: Bottom 3.6% in tier
- - Total Assets: Bottom 3.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.8% in tier
- - Total Loans: Bottom 4.1% in tier
- - Loan Growth Rate: Bottom 9.0% in tier
- - Total Members: Bottom 9.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
353
-5.6% YoY-0.3% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
Bottom 9.4% in tier |
| Assets |
$625,099
-1.0% YoY+0.1% QoQ
|
$-29.5M |
$30.1M
+2.1% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
Bottom 3.8% in tier |
| Loans |
$186,454
-16.1% YoY+3.9% QoQ
|
$-15.6M |
$15.8M
-1.3% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 4.0% in tier |
| Deposits |
$432,544
-2.5% YoY-0.0% QoQ
|
$-25.3M |
$25.7M
+1.4% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 3.6% in tier |
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| ROA |
1.0%
+34.4% YoY-32.6% QoQ
|
+0.4% |
0.6%
+10.8% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
66% |
| NIM |
3.3%
+10.0% YoY-12.8% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
28% |
| Efficiency Ratio |
69.5%
-7.4% YoY+14.7% QoQ
|
-13.1% |
82.6%
-2.3% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
26% |
| Delinquency Rate |
9.8%
+21.4% YoY-5.7% QoQ
|
+8.3 |
1.6%
-3.1% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
Top 2.3% in tier |
| Loan To Share |
43.1%
-14.0% YoY+4.0% QoQ
|
-17.5% |
60.6%
-3.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
23% |
| AMR |
$1,754
-1.5% YoY+1.4% QoQ
|
$-13K |
$14,783
-1.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
Bottom 2.2% in tier |
| 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)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
149
Net Worth Ratio
risk
Value:
30.39%
Peer Median: -
#149 of 2556
Top 5.8% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
Top Weaknesses (12 metrics)
2500
Average Member Relationship (AMR)
engagement
Value:
$1,754
Peer Median: -
#2500 of 2556
Bottom 2.2% in <100M tier
2497
Total Delinquency Rate (60+ days)
risk
Value:
9.83%
Peer Median: -
#2497 of 2556
Bottom 2.3% in <100M tier
2467
Fee Income Per Member
profitability
Value:
$0.02
Peer Median: -
#2467 of 2556
Bottom 3.5% in <100M tier
2465
Total Deposits
balance_sheet
Value:
$432,544
Peer Median: -
#2465 of 2556
Bottom 3.6% in <100M tier
2460
Total Assets
balance_sheet
Value:
$625,099
Peer Median: -
#2460 of 2556
Bottom 3.8% in <100M tier
2460
Loan-to-Member Ratio (LMR)
engagement
Value:
$528.20
Peer Median: -
#2460 of 2556
Bottom 3.8% in <100M tier
2453
Total Loans
balance_sheet
Value:
$186,454
Peer Median: -
#2453 of 2556
Bottom 4.1% in <100M tier
2327
Loan Growth Rate
growth
Value:
-16.14%
Peer Median: -
#2327 of 2556
Bottom 9.0% in <100M tier
2314
Total Members
engagement
Value:
353
Peer Median: -
#2314 of 2556
Bottom 9.5% in <100M tier
2238
Members Per Employee (MPE)
engagement
Value:
176.500
Peer Median: -
#2238 of 2556
Bottom 12.5% in <100M tier