BlastPoint's Credit Union Scorecard

GUADALUPE PARISH

Charter #65471 · CO

2556 CUs in <100M nationally 29 in CO

GUADALUPE PARISH has 4 strengths but faces 1 concern

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.68% above tier average
  • + Strong member growth: 8.1% YoY
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Member Growth Rate: Top 3.7% in tier

Key Concerns

Areas that may need attention

  • - First Mortgage Concentration (%): Bottom 2.7% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Members 3,791
+8.1% YoY-0.1% QoQ
+1.2K 2,615
-1.9% YoY
37,842
+7.2% YoY
33,374
+5.7% YoY
77%
Assets $41.5M
+4.1% YoY+1.5% QoQ
+$11.4M $30.1M
+2.1% YoY
$688.6M
+9.4% YoY
$561.6M
+9.7% YoY
71%
Loans $26.2M
+3.2% YoY-2.2% QoQ
+$10.5M $15.8M
-1.3% YoY
$531.4M
+7.9% YoY
$397.0M
+8.8% YoY
78%
Deposits $31.1M
+3.6% YoY+1.6% QoQ
+$5.5M $25.7M
+1.4% YoY
$583.2M
+9.5% YoY
$477.3M
+9.7% YoY
66%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 1.3%
+35.2% YoY-1.9% QoQ
+0.7% 0.6%
+10.8% YoY
0.4%
-10.6% YoY
0.7%
+15.9% YoY
78%
NIM 2.9%
+11.4% YoY+0.4% QoQ
-1.1% 4.0%
+4.0% YoY
3.5%
+1.6% YoY
3.8%
+5.1% YoY
16%
Efficiency Ratio 63.0%
-8.6% YoY-0.0% QoQ
-19.5% 82.6%
-2.3% YoY
82.6%
+1.3% YoY
79.7%
-3.3% YoY
15%
Delinquency Rate 0.3%
+136.9% YoY+2.0% QoQ
-1.3 1.6%
-3.1% YoY
1.0%
+15.7% YoY
1.3%
-2.1% YoY
30%
Loan To Share 84.2%
-0.4% YoY-3.7% QoQ
+23.5% 60.6%
-3.1% YoY
72.0%
-2.4% YoY
67.4%
-1.7% YoY
84%
AMR $15,131
-4.3% YoY-0.1% QoQ
+$348 $14,783
-1.4% YoY
$23,202
+4.3% YoY
$19,687
+2.0% YoY
57%
CD Concentration 24.6%
-3.4% YoY-3.2% QoQ
+0.2% 24.4% 26.2% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 12.2% 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)

Comparing against 2556 peers in tier

Top Strengths (9 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 2556 Top 0.0% in <100M tier
95
Member Growth Rate
growth
Value: 8.10%
Peer Median: -
#95 of 2556 Top 3.7% in <100M tier
305
Net Worth Ratio
risk
Value: 24.57%
Peer Median: -
#305 of 2556 Top 11.9% in <100M tier
388
Efficiency Ratio
profitability
Value: 63.05%
Peer Median: -
#388 of 2556 Top 15.1% in <100M tier
412
Loan-to-Share Ratio
balance_sheet
Value: 84.16%
Peer Median: -
#412 of 2556 Top 16.1% in <100M tier
538
Net Charge-Off Rate
risk
Value: 0.00%
Peer Median: -
#538 of 2556 Top 21.0% in <100M tier
556
Return on Assets (ROA)
profitability
Value: 1.30%
Peer Median: -
#556 of 2556 Top 21.7% in <100M tier
558
Total Loans
balance_sheet
Value: $26.21M
Peer Median: -
#558 of 2556 Top 21.8% in <100M tier
594
Total Members
engagement
Value: 3,791
Peer Median: -
#594 of 2556 Top 23.2% in <100M tier

Top Weaknesses (3 metrics)

2489
First Mortgage Concentration (%)
balance_sheet
Value: 67.88%
Peer Median: -
#2489 of 2556 Bottom 2.7% in <100M tier
2143
Net Interest Margin (NIM)
profitability
Value: 2.90%
Peer Median: -
#2143 of 2556 Bottom 16.2% in <100M tier
2092
AMR Growth Rate
growth
Value: -4.34%
Peer Median: -
#2092 of 2556 Bottom 18.2% in <100M tier
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