BlastPoint's Credit Union Scorecard

ESSENTIAL

Charter #68736 · LA

100M-500M

1070 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 0.13% above tier average
+ AMR Growth Rate: Top 0.2% in tier
+ Total Loans: Top 2.0% in tier
+ Total Members: Top 5.5% in tier
+ Total Assets: Top 6.5% in tier
+ Loan-to-Share Ratio: Top 6.5% in tier
+ Fee Income Per Member: Top 6.9% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.25% below tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Members	31,118 -27.8% YoY+1.9% QoQ	+16.0K	15,145 -2.5% YoY	9,512 +2.6% YoY	33,913 +5.7% YoY	Top 5.6% in tier
Assets	$429.8M +7.9% YoY+2.6% QoQ	+$198.1M	$231.7M +0.8% YoY	$128.1M +5.9% YoY	$578.3M +9.0% YoY	Top 6.6% in tier
Loans	$343.6M +8.4% YoY+3.1% QoQ	+$199.5M	$144.1M +0.2% YoY	$89.6M +5.7% YoY	$402.4M +8.7% YoY	Top 2.1% in tier
Deposits	$370.2M +2.4% YoY+1.6% QoQ	+$169.1M	$201.1M +0.4% YoY	$109.6M +6.0% YoY	$494.3M +9.1% YoY	Top 7.2% 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% -217.9% YoY+817.2% QoQ	-0.2%	0.7% +5.1% YoY	0.1% -79.1% YoY	0.4% -39.2% YoY	35%
NIM	3.8% +22.3% YoY+10.7% QoQ	+0.1%	3.6% +4.6% YoY	4.2% -0.4% YoY	3.8% +4.1% YoY	60%
Efficiency Ratio	85.2% -12.3% YoY-6.9% QoQ	+7.2%	78.0% -1.7% YoY	88.0% +2.9% YoY	84.6% +2.8% YoY	72%
Delinquency Rate	1.1% +26.1% YoY-33.6% QoQ	+0.3	0.8% +7.1% YoY	1.7% -21.7% YoY	1.2% +3.4% YoY	81%
Loan To Share	92.8% +5.8% YoY+1.5% QoQ	+22.4%	70.4% -0.4% YoY	68.2% -2.4% YoY	65.6% -1.4% YoY	Top 6.6% in tier
AMR	$22,940 +45.6% YoY+0.4% QoQ	$-2K	$24,918 +2.7% YoY	$13,483 +2.5% YoY	$19,920 +1.6% YoY	50%
CD Concentration	21.2% +10.9% YoY+1.6% QoQ	-3.1%	24.3%	14.9%	19.8%	50%
Indirect Auto %	38.5% -19.3% YoY-9.1% QoQ	+24.7%	13.8%	5.1%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#3 of 491 • 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): 45.64%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | Rank improving

Concerns (7)

Membership Headwinds

decline

#2 of 570 • 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): -27.75%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Indirect Auto Dependency

risk

#5 of 504 • 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): 7.88%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 38.50%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -27.75%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Stagnation Risk

risk

#139 of 570 • 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): -27.75%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 8.37%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 1.12%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Credit Risk Growth

risk

#138 of 476 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 8.37%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.23% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#305 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.23% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank worsening

Liquidity Strain

risk

#96 of 183 • 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: 92.82%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 8.37%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | New qualifier

Efficiency Drag

risk

#573 of 596 • 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: 85.23%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.89% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -27.75%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 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 1070 peers in tier

Top Strengths (9 metrics)

AMR Growth Rate

growth

Value: 45.64%

Peer Median: 3.46%

#3 of 1070 Top 0.2% in 100M-500M tier

Total Loans

balance_sheet

Value: $343.62M

Peer Median: $121.41M

#22 of 1070 Top 2.0% in 100M-500M tier

Total Members

engagement

Value: 31,118

Peer Median: 13,200

#60 of 1070 Top 5.5% in 100M-500M tier

Total Assets

balance_sheet

Value: $429.82M

Peer Median: $196.57M

#71 of 1070 Top 6.5% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 92.82%

Peer Median: 71.88%

#71 of 1070 Top 6.5% in 100M-500M tier

Fee Income Per Member

profitability

Value: $278.35

Peer Median: $154.95

#75 of 1070 Top 6.9% in 100M-500M tier

Total Deposits

balance_sheet

Value: $370.22M

Peer Median: $171.29M

#77 of 1070 Top 7.1% in 100M-500M tier

202

Asset Growth Rate

growth

Value: 7.88%

Peer Median: 3.91%

#202 of 1070 Top 18.8% in 100M-500M tier

242

Loan Growth Rate

growth

Value: 8.37%

Peer Median: 2.93%

#242 of 1070 Top 22.5% in 100M-500M tier

Top Weaknesses (5 metrics)

1066

Member Growth Rate

growth

Value: -27.75%

Peer Median: -0.06%

#1066 of 1070 Bottom 0.5% in 100M-500M tier

975

Indirect Auto Concentration (%)

balance_sheet

Value: 38.50%

Peer Median: 6.61%

#975 of 1070 Bottom 9.0% in 100M-500M tier

915

Net Worth Ratio

risk

Value: 9.04%

Peer Median: 11.45%

#915 of 1070 Bottom 14.6% in 100M-500M tier

863

Total Delinquency Rate (60+ days)

risk

Value: 1.12%

Peer Median: 0.61%

#863 of 1070 Bottom 19.4% in 100M-500M tier

814

Net Charge-Off Rate

risk

Value: 0.66%

Peer Median: 0.35%

#814 of 1070 Bottom 24.0% in 100M-500M tier