BlastPoint's Credit Union Scorecard
COGIC
Charter #65780 · LA
2596 CUs in <100M nationally
108 in LA
COGIC has 4 strengths but faces 16 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.67% 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
Key Concerns
Areas that may need attention
- - ROA 0.33% below tier average
- - Efficiency ratio 15.06% above tier (higher cost structure)
- - Delinquency rate 5.28% above tier average
- - Member decline: -5.9% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Net Worth Ratio: Bottom 1.3% in tier
- - Total Assets: Bottom 2.5% in tier
- - Asset Growth Rate: Bottom 2.7% in tier
- - Net Charge-Off Rate: Bottom 2.9% in tier
- - Total Deposits: Bottom 3.3% in tier
- - Average Member Relationship (AMR): Bottom 3.8% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.8% in tier
- - Deposit Growth Rate: Bottom 4.4% in tier
- - Total Loans: Bottom 4.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.0% in tier
- - Total Members: Bottom 6.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
253
-5.9% YoY0% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
9,352
+2.6% YoY
|
33,089
+6.1% YoY
|
Bottom 6.4% in tier |
| Assets |
$392,292
-13.2% YoY-9.3% QoQ
|
$-29.5M |
$29.9M
+1.1% YoY
|
$121.4M
+4.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 2.5% in tier |
| Loans |
$264,032
-13.0% YoY+10.7% QoQ
|
$-15.5M |
$15.8M
-2.4% YoY
|
$86.9M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 4.7% in tier |
| Deposits |
$365,826
-13.1% YoY-9.8% QoQ
|
$-25.1M |
$25.5M
+0.4% YoY
|
$103.9M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 3.2% in tier |
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| ROA |
0.4%
-343.7% YoY-51.1% QoQ
|
-0.3% |
0.7%
-731.4% YoY
|
0.5%
+1.1% YoY
|
0.7%
+273.4% YoY
|
30% |
| NIM |
4.6%
+26.5% YoY+4.0% QoQ
|
+0.7% |
3.9%
+3.8% YoY
|
4.3%
+3.2% YoY
|
3.7%
+5.0% YoY
|
76% |
| Efficiency Ratio |
96.5%
-5.6% YoY+6.3% QoQ
|
+15.1% |
81.4%
-2.4% YoY
|
82.9%
-3.6% YoY
|
79.1%
-3.3% YoY
|
Top 14.4% in tier |
| Delinquency Rate |
6.8%
+104.6% YoY-12.8% QoQ
|
+5.3 |
1.5%
-2.0% YoY
|
1.8%
-12.2% YoY
|
1.2%
-0.9% YoY
|
Top 3.8% in tier |
| Loan To Share |
72.2%
+0.1% YoY+22.8% QoQ
|
+10.9% |
61.2%
-3.0% YoY
|
70.9%
-2.6% YoY
|
68.0%
-1.7% YoY
|
66% |
| AMR |
$2,490
-7.5% YoY-2.2% QoQ
|
$-12K |
$14,627
-2.7% YoY
|
$13,297
+2.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 3.7% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
15.0%
+9.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.3%
+10.6% YoY
|
7.9%
-2.9% YoY
|
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 (4 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
610
Net Interest Margin (NIM)
profitability
Value:
4.61%
Peer Avg: -
#610 of 2596
Top 23.5% in <100M tier
Top Weaknesses (16 metrics)
2596
Members Per Employee (MPE)
engagement
Value:
-
Peer Avg: -
#2596 of 2596
Bottom 0.0% in <100M tier
2563
Net Worth Ratio
risk
Value:
6.75%
Peer Avg: -
#2563 of 2596
Bottom 1.3% in <100M tier
2531
Total Assets
balance_sheet
Value:
$392,292
Peer Avg: -
#2531 of 2596
Bottom 2.5% in <100M tier
2526
Asset Growth Rate
growth
Value:
-13.19%
Peer Avg: -
#2526 of 2596
Bottom 2.7% in <100M tier
2523
Net Charge-Off Rate
risk
Value:
3.14%
Peer Avg: -
#2523 of 2596
Bottom 2.9% in <100M tier
2512
Total Deposits
balance_sheet
Value:
$365,826
Peer Avg: -
#2512 of 2596
Bottom 3.3% in <100M tier
2499
Average Member Relationship (AMR)
engagement
Value:
$2,490
Peer Avg: -
#2499 of 2596
Bottom 3.8% in <100M tier
2498
Total Delinquency Rate (60+ days)
risk
Value:
6.79%
Peer Avg: -
#2498 of 2596
Bottom 3.8% in <100M tier
2483
Deposit Growth Rate
growth
Value:
-13.07%
Peer Avg: -
#2483 of 2596
Bottom 4.4% in <100M tier
2473
Total Loans
balance_sheet
Value:
$264,032
Peer Avg: -
#2473 of 2596
Bottom 4.8% in <100M tier