BlastPoint's Credit Union Scorecard

ESSENTIAL

Charter #68736 · LA

100M-500M

1024 CUs in 100M-500M nationally 21 in LA

ESSENTIAL has 8 strengths but faces 8 concerns

National Analysis

How does the industry compare?

LA Analysis

How does LA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ Net Interest Margin 0.14% above tier average
+ AMR Growth Rate: Top 1.1% in tier
+ Total Loans: Top 2.0% in tier
+ Loan-to-Share Ratio: Top 4.7% in tier
+ Total Members: Top 5.5% in tier
+ Fee Income Per Member: Top 6.1% in tier
+ Total Assets: Top 6.2% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.40% below tier average
- Efficiency ratio 4.39% above tier (higher cost structure)
- Delinquency rate 0.56% above tier average

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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 21 that size in Louisiana.
Shares and deposits +1.0% year over year ($362M in shares and deposits).
Membership: 31,430 members, -14.6% vs a year ago.
Delinquency rate 1.45%.
Return on assets 0.46%.
Efficiency ratio 81.13% vs a 76.73% peer average.
Loan-to-share ratio 96.41% vs a 71.54% 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	31,430 -14.6% YoY+1.0% QoQ	+16.3K	15,168 -2.6% YoY	9,550 +2.7% YoY	34,678 +6.6% YoY	Top 5.6% in tier
Assets	$434.2M +8.3% YoY+1.0% QoQ	+$202.2M	$232.0M +0.7% YoY	$130.2M +7.1% YoY	$593.1M +10.2% YoY	Top 6.3% in tier
Loans	$349.4M +10.3% YoY+1.7% QoQ	+$203.1M	$146.3M +0.2% YoY	$92.6M +7.3% YoY	$418.6M +10.1% YoY	Top 2.1% in tier
Deposits	$362.4M +1.0% YoY-2.1% QoQ	+$161.7M	$200.7M +0.2% YoY	$111.6M +7.6% YoY	$504.8M +10.3% YoY	Top 7.9% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.5% -277.7% YoY-3.9% QoQ	-0.4%	0.9% +12.5% YoY	1.1% +258.0% YoY	1.2% +121.4% YoY	25%
NIM	3.8% +24.2% YoY+1.9% QoQ	+0.1%	3.7% +4.5% YoY	4.2% -0.2% YoY	3.8% +2.3% YoY	60%
Efficiency Ratio	81.1% -17.8% YoY-4.8% QoQ	+4.4%	76.7% -0.8% YoY	89.3% +0.7% YoY	83.0% -5.3% YoY	62%
Delinquency Rate	1.4% -18.1% YoY+29.2% QoQ	+0.6	0.9% +6.6% YoY	2.0% +21.9% YoY	1.3% +2.6% YoY	85%
Loan To Share	96.4% +9.2% YoY+3.9% QoQ	+24.9%	71.5% -0.3% YoY	68.1% -2.7% YoY	66.4% -1.4% YoY	Top 4.8% in tier
AMR	$22,646 +23.4% YoY-1.3% QoQ	$-2K	$25,107 +3.2% YoY	$13,536 +2.7% YoY	$20,028 -0.9% YoY	48%
CD Concentration	21.6% +10.9% YoY+2.1% QoQ	-2.9%	24.6%	15.1%	20.0%	50%
Indirect Auto %	35.7% -24.5% YoY-7.4% QoQ	+22.0%	13.6%	5.1%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#15 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 23.45%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | Rank worsening

Concerns (5)

Indirect Auto Dependency

risk

#4 of 476 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 8.34%

(Tier: 4.62%, National: 3.30%)

but better than tier avg

Indirect Auto %: 35.65%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -14.62%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | Rank improving

Membership Headwinds

decline

#18 of 549 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -14.62%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank worsening

Liquidity Strain

risk

#49 of 224 • Bottom 50.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 96.41%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 10.34%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

224 of 1024 Mid-Small & Community CUs have this signature | 432 nationally

↓ Shrinking -11 CUs YoY | New qualifier

Stagnation Risk

risk

#147 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -14.62%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 10.34%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Rate: 1.45%

(Tier: 0.87%, National: 1.26%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Efficiency Drag

risk

#527 of 531 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 81.13%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.72% points

(Tier: 0.10% points, National: 0.47% points)

but better than tier avg

Member Growth (YoY): -14.62%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (9 metrics)

AMR Growth Rate

growth

Value: 23.45%

Peer Median: 3.53%

#12 of 1024 Top 1.1% in 100M-500M tier

Total Loans

balance_sheet

Value: $349.38M

Peer Median: $124.04M

#21 of 1024 Top 2.0% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 96.41%

Peer Median: 73.07%

#49 of 1024 Top 4.7% in 100M-500M tier

Total Members

engagement

Value: 31,430

Peer Median: 13,128

#57 of 1024 Top 5.5% in 100M-500M tier

Fee Income Per Member

profitability

Value: $289.43

Peer Median: $159.88

#63 of 1024 Top 6.1% in 100M-500M tier

Total Assets

balance_sheet

Value: $434.24M

Peer Median: $196.38M

#65 of 1024 Top 6.2% in 100M-500M tier

Total Deposits

balance_sheet

Value: $362.40M

Peer Median: $170.77M

#81 of 1024 Top 7.8% in 100M-500M tier

158

Loan Growth Rate

growth

Value: 10.34%

Peer Median: 3.02%

#158 of 1024 Top 15.3% in 100M-500M tier

169

Asset Growth Rate

growth

Value: 8.34%

Peer Median: 4.12%

#169 of 1024 Top 16.4% in 100M-500M tier

Top Weaknesses (6 metrics)

1011

Member Growth Rate

growth

Value: -14.62%

Peer Median: -0.03%

#1011 of 1024 Bottom 1.4% in 100M-500M tier

915

Indirect Auto Concentration (%)

balance_sheet

Value: 35.65%

Peer Median: 6.15%

#915 of 1024 Bottom 10.7% in 100M-500M tier

909

Net Charge-Off Rate

risk

Value: 0.93%

Peer Median: 0.34%

#909 of 1024 Bottom 11.3% in 100M-500M tier

897

Net Worth Ratio

risk

Value: 9.06%

Peer Median: 11.71%

#897 of 1024 Bottom 12.5% in 100M-500M tier

869

Total Delinquency Rate (60+ days)

risk

Value: 1.45%

Peer Median: 0.71%

#869 of 1024 Bottom 15.2% in 100M-500M tier

769

Return on Assets (ROA)

profitability

Value: 0.46%

Peer Median: 0.75%

#769 of 1024 Bottom 25.0% in 100M-500M tier