BlastPoint's Credit Union Scorecard

ESSENTIAL

Charter #68736 · LA

1077 CUs in 100M-500M nationally 22 in LA

ESSENTIAL has 6 strengths but faces 13 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 1.5% in tier
+ AMR Growth Rate: Top 0.5% in tier
+ Total Members: Top 2.8% in tier
+ Total Loans: Top 3.2% in tier
+ Total Assets: Top 8.5% in tier
+ Total Deposits: Top 9.0% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 0.2% in tier
- Membership Headwinds: Bottom 0.3% in tier
- Credit Quality Pressure: Bottom 4.8% in tier
- Efficiency Drag: Bottom 6.9% in tier
- Credit Risk Growth: Bottom 8.8% in tier
- Liquidity Strain: Bottom 23.5% in tier
- Stagnation Risk: Bottom 24.0% in tier
- ROA 1.13% below tier average
- Efficiency ratio 20.35% above tier (higher cost structure)
- Delinquency rate 0.46% above tier average
- Member decline: -19.0% YoY
- Member Growth Rate: Bottom 0.8% in tier
- Indirect Auto Concentration (%): Bottom 5.6% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Members	36,811 -19.0% YoY0% QoQ	+21.2K	15,628 -3.4% YoY	9,352 +2.6% YoY	33,089 +6.1% YoY	Top 2.9% in tier
Assets	$414.1M +6.8% YoY+3.3% QoQ	+$182.8M	$231.3M -0.0% YoY	$121.4M +4.9% YoY	$547.7M +7.8% YoY	Top 8.6% in tier
Loans	$329.0M +4.5% YoY+3.9% QoQ	+$181.2M	$147.8M -1.4% YoY	$86.9M +5.1% YoY	$388.7M +8.6% YoY	Top 3.3% in tier
Deposits	$356.0M +4.6% YoY-0.7% QoQ	+$155.8M	$200.3M -0.0% YoY	$103.9M +6.5% YoY	$464.6M +9.3% YoY	Top 9.1% 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	-0.3% +11.5% YoY+32.8% QoQ	-1.1%	0.8% +15.5% YoY	0.5% +1.1% YoY	0.7% +273.4% YoY	Bottom 2.6% in tier
NIM	3.3% +4.8% YoY+5.8% QoQ	-0.3%	3.6% +6.9% YoY	4.3% +3.2% YoY	3.7% +5.0% YoY	30%
Efficiency Ratio	97.6% +4.9% YoY-1.1% QoQ	+20.4%	77.3% -3.0% YoY	82.9% -3.6% YoY	79.1% -3.3% YoY	Top 3.5% in tier
Delinquency Rate	1.3% +75.5% YoY-25.1% QoQ	+0.5	0.9% +7.6% YoY	1.8% -12.2% YoY	1.2% -0.9% YoY	81%
Loan To Share	92.4% -0.1% YoY+4.7% QoQ	+19.7%	72.7% -1.5% YoY	70.9% -2.6% YoY	68.0% -1.7% YoY	Top 11.1% in tier
AMR	$18,610 +29.1% YoY+1.4% QoQ	$-6K	$24,363 +2.9% YoY	$13,297 +2.9% YoY	$19,418 +1.3% YoY	27%
CD Concentration	20.0% +9.0% YoY+2.7% QoQ	-4.4%	24.4% +4.2% YoY	15.0% +9.1% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	45.0% -0.7% YoY-4.7% QoQ	+31.0%	14.0% -5.7% YoY	5.3% +10.6% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#8 of 481 • Top 1.5% in tier

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

Why This Signature

AMR Growth (YoY): 29.14%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (7)

Indirect Auto Dependency

risk

#5 of 525 • Bottom 0.2% in tier

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

Why This Signature

Asset Growth (YoY): 6.83%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 45.01%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -19.03%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank improving

Membership Headwinds

decline

#6 of 550 • Bottom 0.3% in tier

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

Why This Signature

Member Growth (YoY): -19.03%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Credit Quality Pressure

risk

#119 of 736 • Bottom 4.8% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.57% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Efficiency Drag

risk

#123 of 521 • Bottom 6.9% in tier

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

Why This Signature

Efficiency Ratio: 97.63%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.04% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): -19.03%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

Credit Risk Growth

risk

#132 of 446 • Bottom 8.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 4.53%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.57% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | New qualifier

Liquidity Strain

risk

#183 of 258 • Bottom 23.5% in tier

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

Why This Signature

Loan-to-Share Ratio: 92.41%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 4.53%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank improving

Stagnation Risk

risk

#396 of 550 • Bottom 24.0% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -19.03%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 4.53%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Rate: 1.32%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

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 1077 peers in tier

Top Strengths (8 metrics)

AMR Growth Rate

growth

Value: 29.14%

Peer Avg: -

#6 of 1077 Top 0.5% in 100M-500M tier

Total Members

engagement

Value: 36,811

Peer Avg: -

#31 of 1077 Top 2.8% in 100M-500M tier

Total Loans

balance_sheet

Value: $329.01M

Peer Avg: -

#36 of 1077 Top 3.2% in 100M-500M tier

Total Assets

balance_sheet

Value: $414.10M

Peer Avg: -

#93 of 1077 Top 8.5% in 100M-500M tier

Total Deposits

balance_sheet

Value: $356.05M

Peer Avg: -

#98 of 1077 Top 9.0% in 100M-500M tier

120

Loan-to-Share Ratio

balance_sheet

Value: 92.41%

Peer Avg: -

#120 of 1077 Top 11.0% in 100M-500M tier

184

Fee Income Per Member

profitability

Value: $235.44

Peer Avg: -

#184 of 1077 Top 17.0% in 100M-500M tier

253

Members Per Employee (MPE)

engagement

Value: 383.448

Peer Avg: -

#253 of 1077 Top 23.4% in 100M-500M tier

Top Weaknesses (7 metrics)

1069

Member Growth Rate

growth

Value: -19.03%

Peer Avg: -

#1069 of 1077 Bottom 0.8% in 100M-500M tier

1049

Return on Assets (ROA)

profitability

Value: -0.35%

Peer Avg: -

#1049 of 1077 Bottom 2.7% in 100M-500M tier

1040

Efficiency Ratio

profitability

Value: 97.63%

Peer Avg: -

#1040 of 1077 Bottom 3.5% in 100M-500M tier

1018

Indirect Auto Concentration (%)

balance_sheet

Value: 45.01%

Peer Avg: -

#1018 of 1077 Bottom 5.6% in 100M-500M tier

941

Net Charge-Off Rate

risk

Value: 0.87%

Peer Avg: -

#941 of 1077 Bottom 12.7% in 100M-500M tier

896

Net Worth Ratio

risk

Value: 9.24%

Peer Avg: -

#896 of 1077 Bottom 16.9% in 100M-500M tier

875

Total Delinquency Rate (60+ days)

risk

Value: 1.32%

Peer Avg: -

#875 of 1077 Bottom 18.8% in 100M-500M tier