BlastPoint's Credit Union Scorecard
COGIC
Charter #65780 · LA
COGIC has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 3.96% above tier average
- + Net Interest Margin 0.64% above tier average
- + AMR Growth Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 40.91% above tier (higher cost structure)
- - Delinquency rate 0.24% above tier average
- - Member decline: -26.1% YoY
- - Members Per Employee (MPE): Bottom 0.1% in tier
- - Net Worth Ratio: Bottom 0.5% in tier
- - Asset Growth Rate: Bottom 0.9% in tier
- - Member Growth Rate: Bottom 1.1% in tier
- - Deposit Growth Rate: Bottom 1.7% 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 -19.7% year over year ($326K in shares and deposits).
- Membership: 187 members, -26.1% vs a year ago.
- Delinquency rate 1.79%.
- Return on assets 5.46%.
- Efficiency ratio 129.68% vs a 88.77% peer average.
- Loan-to-share ratio 62.53% 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 |
187
-26.1% YoY-24.3% QoQ
|
-2.4K |
2,585
-1.7% YoY
|
9,550
+2.7% YoY
|
34,678
+6.6% YoY
|
Bottom 4.2% in tier |
| Assets |
$340,631
-21.2% YoY-7.8% QoQ
|
$-29.9M |
$30.3M
+1.5% YoY
|
$130.2M
+7.1% YoY
|
$593.1M
+10.2% YoY
|
Bottom 1.6% in tier |
| Loans |
$203,679
-14.6% YoY-9.6% QoQ
|
$-15.3M |
$15.5M
-1.7% YoY
|
$92.6M
+7.3% YoY
|
$418.6M
+10.1% YoY
|
Bottom 4.2% in tier |
| Deposits |
$325,715
-19.7% YoY-7.9% QoQ
|
$-25.5M |
$25.8M
+1.1% YoY
|
$111.6M
+7.6% YoY
|
$504.8M
+10.3% YoY
|
Bottom 2.4% in tier |
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| ROA |
5.5%
+647.5% YoY-157.9% QoQ
|
+4.0% |
1.5%
+241.5% YoY
|
1.1%
+258.0% YoY
|
1.2%
+121.4% YoY
|
Top 1.5% in tier |
| NIM |
4.5%
+2.4% YoY-2.2% QoQ
|
+0.6% |
3.9%
+0.9% YoY
|
4.2%
-0.2% YoY
|
3.8%
+2.3% YoY
|
77% |
| Efficiency Ratio |
129.7%
+42.9% YoY-9.7% QoQ
|
+40.9% |
88.8%
-6.9% YoY
|
89.3%
+0.7% YoY
|
83.0%
-5.3% YoY
|
Bottom 3.5% in tier |
| Delinquency Rate |
1.8%
-77.0% YoY-11.9% QoQ
|
+0.2 |
1.5%
+2.1% YoY
|
2.0%
+21.9% YoY
|
1.3%
+2.6% YoY
|
76% |
| Loan To Share |
62.5%
+6.4% YoY-1.8% QoQ
|
+3.6% |
58.9%
-3.1% YoY
|
68.1%
-2.7% YoY
|
66.4%
-1.4% YoY
|
56% |
| AMR |
$2,831
+11.2% YoY+20.7% QoQ
|
$-12K |
$14,963
-6.8% YoY
|
$13,536
+2.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 3.9% 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)