BlastPoint's Credit Union Scorecard
ST. HELENA PARISH
Charter #66296 · IL
<100M
2508 CUs in <100M nationally
137 in IL
ST. HELENA PARISH has 8 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.20% above tier average
- + Net Interest Margin 2.66% above tier average
- + Strong member growth: 6.2% YoY
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Net Charge-Off Rate: Top 2.3% in tier
- + Deposit Growth Rate: Top 2.7% in tier
- + Member Growth Rate: Top 5.5% in tier
- + Asset Growth Rate: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Total Assets: Bottom 1.6% in tier
- - Total Deposits: Bottom 2.0% in tier
- - Total Members: Bottom 3.2% in tier
- - Total Loans: Bottom 3.5% in tier
- - Average Member Relationship (AMR): Bottom 4.2% in tier
- - Fee Income Per Member: Bottom 4.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
154
+6.2% YoY0% QoQ
|
-2.5K |
2,676
+1.6% YoY
|
22,133
+6.8% YoY
|
33,913
+5.7% YoY
|
Bottom 3.1% in tier |
| Assets |
$321,960
+9.2% YoY+6.7% QoQ
|
$-29.9M |
$30.2M
+1.3% YoY
|
$406.0M
+9.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 1.6% in tier |
| Loans |
$145,207
+10.2% YoY-1.3% QoQ
|
$-15.1M |
$15.3M
-2.0% YoY
|
$279.6M
+10.0% YoY
|
$402.4M
+8.7% YoY
|
Bottom 3.5% in tier |
| Deposits |
$279,425
+16.4% YoY+7.4% QoQ
|
$-25.5M |
$25.8M
+0.7% YoY
|
$344.9M
+10.3% YoY
|
$494.3M
+9.1% YoY
|
Bottom 2.0% in tier |
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| ROA |
1.3%
-95.8% YoY
|
+1.2% |
0.1%
-77.6% YoY
|
0.5%
-57.9% YoY
|
0.4%
-39.2% YoY
|
81% |
| NIM |
6.7%
-9.2% YoY+14.9% QoQ
|
+2.7% |
4.0%
+4.0% YoY
|
3.7%
-0.2% YoY
|
3.8%
+4.1% YoY
|
Top 1.8% in tier |
| Efficiency Ratio |
79.8%
+126.0% YoY-20.2% QoQ
|
-10.9% |
90.6%
+6.5% YoY
|
87.0%
+8.4% YoY
|
84.6%
+2.8% YoY
|
45% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
1.2%
+7.3% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
52.0%
-5.4% YoY-8.1% QoQ
|
-6.5% |
58.5%
-3.0% YoY
|
60.2%
-0.9% YoY
|
65.6%
-1.4% YoY
|
40% |
| AMR |
$2,757
+7.5% YoY+4.2% QoQ
|
$-12K |
$14,884
-1.7% YoY
|
$15,723
+4.6% YoY
|
$19,920
+1.6% YoY
|
Bottom 4.1% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 14.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.2% | 7.7% | 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 (12 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: 0.65%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
44
Net Interest Margin (NIM)
profitability
Value:
6.67%
Peer Median: 3.83%
#44 of 2508
Top 1.7% in <100M tier
59
Net Charge-Off Rate
risk
Value:
-0.71%
Peer Median: 0.07%
#59 of 2508
Top 2.3% in <100M tier
68
Deposit Growth Rate
growth
Value:
16.42%
Peer Median: 0.66%
#68 of 2508
Top 2.7% in <100M tier
139
Member Growth Rate
growth
Value:
6.21%
Peer Median: -1.37%
#139 of 2508
Top 5.5% in <100M tier
215
Asset Growth Rate
growth
Value:
9.22%
Peer Median: 1.30%
#215 of 2508
Top 8.5% in <100M tier
246
Loan Growth Rate
growth
Value:
10.19%
Peer Median: -2.36%
#246 of 2508
Top 9.8% in <100M tier
Top Weaknesses (9 metrics)
2468
Total Assets
balance_sheet
Value:
$321,960
Peer Median: $21.86M
#2468 of 2508
Bottom 1.6% in <100M tier
2458
Total Deposits
balance_sheet
Value:
$279,425
Peer Median: $18.77M
#2458 of 2508
Bottom 2.0% in <100M tier
2429
Total Members
engagement
Value:
154
Peer Median: 1,918
#2429 of 2508
Bottom 3.2% in <100M tier
2421
Total Loans
balance_sheet
Value:
$145,207
Peer Median: $9.48M
#2421 of 2508
Bottom 3.5% in <100M tier
2404
Average Member Relationship (AMR)
engagement
Value:
$2,757
Peer Median: $13,926
#2404 of 2508
Bottom 4.2% in <100M tier
2390
Fee Income Per Member
profitability
Value:
$0.00
Peer Median: $60.42
#2390 of 2508
Bottom 4.7% in <100M tier
2368
Loan-to-Member Ratio (LMR)
engagement
Value:
$942.90
Peer Median: $4,923
#2368 of 2508
Bottom 5.6% in <100M tier
2257
Members Per Employee (MPE)
engagement
Value:
154.000
Peer Median: 333.750
#2257 of 2508
Bottom 10.0% in <100M tier
2017
Net Worth Ratio
risk
Value:
10.35%
Peer Median: 14.28%
#2017 of 2508
Bottom 19.6% in <100M tier