IMMACULATE HEART OF MARY
Charter #63143 | LA
<100M
(2596 CUs)
Micro
($0-$500M)
108 <100M in LA
IMMACULATE HEART OF MARY has 6 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.82% 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 5.7% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 8.91% above tier average
- - Member decline: -4.8% YoY
- - Total Delinquency Rate (60+ days): Bottom 2.2% in tier
- - Average Member Relationship (AMR): Bottom 2.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.5% in tier
- - Total Deposits: Bottom 3.7% in tier
- - Total Assets: Bottom 4.0% in tier
- - Total Loans: Bottom 4.2% in tier
- - Fee Income Per Member: Bottom 4.3% in tier
- - Loan Growth Rate: Bottom 9.0% in tier
- - Total Members: Bottom 9.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
354
-4.8% YoY-3.5% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
9,352
+2.6% YoY
|
33,089
+6.1% YoY
|
Bottom 9.7% in tier |
| Assets |
$624,370
+0.4% YoY-1.4% QoQ
|
$-29.2M |
$29.9M
+1.1% YoY
|
$121.4M
+4.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 4.0% in tier |
| Loans |
$179,370
-17.0% YoY-5.0% QoQ
|
$-15.6M |
$15.8M
-2.4% YoY
|
$86.9M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 4.2% in tier |
| Deposits |
$432,670
-0.7% YoY-2.2% QoQ
|
$-25.0M |
$25.5M
+0.4% YoY
|
$103.9M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 3.6% in tier |
| ROA |
1.5%
+18.6% YoY-27.8% QoQ
|
+0.8% |
0.7%
-731.4% YoY
|
0.5%
+1.1% YoY
|
0.7%
+273.4% YoY
|
Top 20.1% in tier |
| NIM |
3.8%
+7.4% YoY-14.0% QoQ
|
-0.1% |
3.9%
+3.8% YoY
|
4.3%
+3.2% YoY
|
3.7%
+5.0% YoY
|
46th in tier |
| Efficiency Ratio |
60.5%
-5.8% YoY+14.2% QoQ
|
-20.9% |
81.4%
-2.4% YoY
|
82.9%
-3.6% YoY
|
79.1%
-3.3% YoY
|
Bottom 14.8% in tier |
| Delinquency Rate |
10.4%
+39.8% YoY+1.8% QoQ
|
+8.9 |
1.5%
-2.0% YoY
|
1.8%
-12.2% YoY
|
1.2%
-0.9% YoY
|
Top 2.2% in tier |
| Loan To Share |
41.5%
-16.4% YoY-2.9% QoQ
|
-19.8% |
61.2%
-3.0% YoY
|
70.9%
-2.6% YoY
|
68.0%
-1.7% YoY
|
Bottom 20.6% in tier |
| AMR |
$1,729
-1.3% YoY+0.5% QoQ
|
$-13K |
$14,627
-2.7% YoY
|
$13,297
+2.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 2.3% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
15.0%
+9.1% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
5.3%
+10.6% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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 (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
148
Net Worth Ratio
risk
Value:
30.55%
Peer Avg: 16.43%
#148 of 2596
Top 5.7% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
384
Efficiency Ratio
profitability
Value:
60.54%
Peer Avg: 81.39%
#384 of 2596
Top 14.8% in <100M tier
521
Return on Assets (ROA)
profitability
Value:
1.50%
Peer Avg: 0.68%
#521 of 2596
Top 20.0% in <100M tier
Top Weaknesses (12 metrics)
2539
Total Delinquency Rate (60+ days)
risk
Value:
10.42%
Peer Avg: 1.51%
#2539 of 2596
Bottom 2.2% in <100M tier
2536
Average Member Relationship (AMR)
engagement
Value:
$1,729
Peer Avg: $14,627
#2536 of 2596
Bottom 2.3% in <100M tier
2506
Loan-to-Member Ratio (LMR)
engagement
Value:
$506.69
Peer Avg: $5,488
#2506 of 2596
Bottom 3.5% in <100M tier
2502
Total Deposits
balance_sheet
Value:
$432,670
Peer Avg: $25.45M
#2502 of 2596
Bottom 3.7% in <100M tier
2493
Total Assets
balance_sheet
Value:
$624,370
Peer Avg: $29.86M
#2493 of 2596
Bottom 4.0% in <100M tier
2488
Total Loans
balance_sheet
Value:
$179,370
Peer Avg: $15.77M
#2488 of 2596
Bottom 4.2% in <100M tier
2486
Fee Income Per Member
profitability
Value:
$0.02
Peer Avg: $182.96
#2486 of 2596
Bottom 4.3% in <100M tier
2364
Loan Growth Rate
growth
Value:
-16.97%
Peer Avg: 59.01%
#2364 of 2596
Bottom 9.0% in <100M tier
2344
Total Members
engagement
Value:
354
Peer Avg: 2,626
#2344 of 2596
Bottom 9.7% in <100M tier
2273
Members Per Employee (MPE)
engagement
Value:
177.000
Peer Avg: 365.701
#2273 of 2596
Bottom 12.5% in <100M tier