BlastPoint's Credit Union Scorecard
COGIC
Charter #65780 · LA
COGIC has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.63% above tier average
Key Concerns
Areas that may need attention
- - ROA 9.58% below tier average
- - Efficiency ratio 53.02% above tier (higher cost structure)
- - Delinquency rate 0.53% above tier average
- - Member decline: -9.9% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Net Worth Ratio: Bottom 0.5% in tier
- - Asset Growth Rate: Bottom 1.6% in tier
- - Total Assets: Bottom 2.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
247
-9.9% YoY+0.4% QoQ
|
-2.4K |
2,676
+1.6% YoY
|
9,512
+2.6% YoY
|
33,913
+5.7% YoY
|
Bottom 6.1% in tier |
| Assets |
$369,494
-16.4% YoY-0.2% QoQ
|
$-29.8M |
$30.2M
+1.3% YoY
|
$128.1M
+5.9% YoY
|
$578.3M
+9.0% YoY
|
Bottom 2.1% in tier |
| Loans |
$225,399
-12.6% YoY-9.2% QoQ
|
$-15.1M |
$15.3M
-2.0% YoY
|
$89.6M
+5.7% YoY
|
$402.4M
+8.7% YoY
|
Bottom 4.4% in tier |
| Deposits |
$353,837
-13.1% YoY+2.4% QoQ
|
$-25.4M |
$25.8M
+0.7% YoY
|
$109.6M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 2.9% in tier |
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| ROA |
-9.4%
-280.2% YoY+313.9% QoQ
|
-9.6% |
0.1%
-77.6% YoY
|
0.1%
-79.1% YoY
|
0.4%
-39.2% YoY
|
Bottom 0.9% in tier |
| NIM |
4.6%
-47.5% YoY-10.9% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
4.2%
-0.4% YoY
|
3.8%
+4.1% YoY
|
81% |
| Efficiency Ratio |
143.7%
+147.9% YoY+44.6% QoQ
|
+53.0% |
90.6%
+6.5% YoY
|
88.0%
+2.9% YoY
|
84.6%
+2.8% YoY
|
Bottom 3.3% in tier |
| Delinquency Rate |
2.0%
-75.5% YoY+4.5% QoQ
|
+0.5 |
1.5%
+3.8% YoY
|
1.7%
-21.7% YoY
|
1.2%
+3.4% YoY
|
81% |
| Loan To Share |
63.7%
+0.5% YoY-11.4% QoQ
|
+5.2% |
58.5%
-3.0% YoY
|
68.2%
-2.4% YoY
|
65.6%
-1.4% YoY
|
58% |
| AMR |
$2,345
-3.4% YoY-2.9% QoQ
|
$-13K |
$14,884
-1.7% YoY
|
$13,483
+2.5% YoY
|
$19,920
+1.6% YoY
|
Bottom 3.4% 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)