BlastPoint's Credit Union Scorecard

ESSENTIAL

Charter #68736 · LA

1069 CUs in 100M-500M nationally 21 in LA

ESSENTIAL has 7 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 0.2% in tier
  • + AMR Growth Rate: Top 0.1% in tier
  • + Total Loans: Top 2.8% in tier
  • + Fee Income Per Member: Top 5.9% in tier
  • + Total Members: Top 6.4% in tier
  • + Total Deposits: Top 7.8% in tier
  • + Total Assets: Top 8.0% in tier

Key Concerns

Areas that may need attention

  • - Membership Headwinds: Bottom 0.2% in tier
  • - Indirect Auto Dependency: Bottom 1.6% in tier
  • - Credit Quality Pressure: Bottom 14.2% in tier
  • - Stagnation Risk: Bottom 19.2% in tier
  • - Credit Risk Growth: Bottom 21.8% in tier
  • - Efficiency Drag: Bottom 78.2% in tier
  • - Liquidity Strain: Bottom 79.3% in tier
  • - ROA 0.71% below tier average
  • - Efficiency ratio 14.56% above tier (higher cost structure)
  • - Delinquency rate 0.79% above tier average
  • - Member decline: -29.0% YoY
  • - Member Growth Rate: Bottom 0.4% in tier
  • - Indirect Auto Concentration (%): Bottom 6.9% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Members 30,534
-29.0% YoY-17.1% QoQ
 +15.1K 15,437
-2.9% YoY
 9,309
+1.0% YoY
 33,374
+5.7% YoY
 Top 6.5% in tier
Assets $419.1M
+7.2% YoY+1.2% QoQ
 +$187.3M $231.9M
+1.3% YoY
 $122.7M
+4.8% YoY
 $561.6M
+9.7% YoY
 Top 8.1% in tier
Loans $333.2M
+5.7% YoY+1.3% QoQ
 +$185.9M $147.3M
-0.1% YoY
 $87.2M
+3.5% YoY
 $397.0M
+8.8% YoY
 Top 2.9% in tier
Deposits $364.2M
+5.6% YoY+2.3% QoQ
 +$163.4M $200.8M
+0.8% YoY
 $104.9M
+5.6% YoY
 $477.3M
+9.7% YoY
 Top 7.9% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 0.1%
-107.6% YoY-115.2% QoQ
 -0.7% 0.8%
+18.2% YoY
 0.3%
+12.6% YoY
 0.7%
+15.9% YoY
 Bottom 8.0% in tier
NIM 3.4%
+10.4% YoY+4.1% QoQ
 -0.2% 3.6%
+6.7% YoY
 4.2%
+2.9% YoY
 3.8%
+5.1% YoY
 36%
Efficiency Ratio 91.6%
-1.4% YoY-6.2% QoQ
 +14.6% 77.0%
-3.1% YoY
 85.6%
-13.2% YoY
 79.7%
-3.3% YoY
 Top 7.5% in tier
Delinquency Rate 1.7%
+52.0% YoY+27.4% QoQ
 +0.8 0.9%
+4.2% YoY
 1.9%
-8.2% YoY
 1.3%
-2.1% YoY
 Top 10.6% in tier
Loan To Share 91.5%
+0.1% YoY-1.0% QoQ
 +19.3% 72.2%
-1.1% YoY
 71.2%
-2.0% YoY
 67.4%
-1.7% YoY
 Top 11.4% in tier
AMR $22,841
+48.8% YoY+22.7% QoQ
 $-2K $24,676
+3.4% YoY
 $13,375
+3.1% YoY
 $19,687
+2.0% YoY
 51%
CD Concentration 20.8%
+10.9% YoY+4.0% QoQ
 -3.6% 24.4% 15.2% 19.8% 50%
Indirect Auto % 42.4%
-6.2% YoY-5.9% QoQ
 +28.6% 13.8% 5.0% 7.8% 50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth
#2 of 513 • Top 0.2% in tier

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

Why This Signature
AMR Growth (YoY): 48.82%
(Tier: 4.17%, National: 4.00%)
better than tier avg
513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally
↑ Growing +180 CUs YoY | Rank improving

Concerns (7)

Membership Headwinds

decline
#2 of 554 • Bottom 0.2% in tier

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

Why This Signature
Member Growth (YoY): -29.01%
(Tier: 0.69%, National: 4.32%)
worse than tier avg
554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally
→ No prior data (554 CUs now) | New qualifier

Indirect Auto Dependency

risk
#9 of 506 • Bottom 1.6% in tier

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

Why This Signature
Asset Growth (YoY): 7.18%
(Tier: 5.37%, National: 3.54%)
but better than tier avg
Indirect Auto %: 42.36%
(Tier: 13.79%, National: 7.78%)
worse than tier avg
Member Growth (YoY): -29.01%
(Tier: 0.69%, National: 4.32%)
worse than tier avg
506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally
↓ Shrinking -35 CUs YoY | Rank improving

Credit Quality Pressure

risk
#101 of 705 • Bottom 14.2% in tier

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

Why This Signature
Delinquency Change (YoY): 0.58% points
(Tier: 0.03% points, National: 0.06% points)
worse than tier avg
705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally
↓ Shrinking -150 CUs YoY | Rank improving

Stagnation Risk

risk
#107 of 554 • Bottom 19.2% 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): -29.01%
(Tier: 0.69%, National: 4.32%)
worse than tier avg
Loan Growth (YoY): 5.68%
(Tier: 4.11%, National: 111.96%)
but better than tier avg
Delinquency Rate: 1.68%
(Tier: 0.89%, National: 1.28%)
worse than tier avg
554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally
→ No prior data (554 CUs now) | New qualifier

Credit Risk Growth

risk
#100 of 456 • Bottom 21.8% in tier

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

Why This Signature
Loan Growth (YoY): 5.68%
(Tier: 4.11%, National: 111.96%)
but better than tier avg
Delinquency Change (YoY): 0.58% points
(Tier: 0.03% points, National: 0.06% points)
worse than tier avg
456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally
→ No prior data (456 CUs now) | New qualifier

Efficiency Drag

risk
#421 of 538 • Bottom 78.2% in tier

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

Why This Signature
Efficiency Ratio: 91.57%
(Tier: 76.88%, National: 79.67%)
worse than tier avg
ROA Change (YoY): 0.74% points
(Tier: 0.11% points, National: 0.02% points)
but better than tier avg
Member Growth (YoY): -29.01%
(Tier: 0.69%, National: 4.32%)
worse than tier avg
538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally
↓ Shrinking -98 CUs YoY | Rank worsening

Liquidity Strain

risk
#181 of 228 • Bottom 79.3% in tier

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

Why This Signature
Loan-to-Share Ratio: 91.48%
(Tier: 74.08%, National: 67.44%)
but better than tier avg
Loan Growth (YoY): 5.68%
(Tier: 4.11%, National: 111.96%)
but better than tier avg
228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally
↓ Shrinking -37 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)

Comparing against 1069 peers in tier

Top Strengths (7 metrics)

2
AMR Growth Rate
growth
Value: 48.82%
Peer Median: -
#2 of 1069 Top 0.1% in 100M-500M tier
31
Total Loans
balance_sheet
Value: $333.21M
Peer Median: -
#31 of 1069 Top 2.8% in 100M-500M tier
64
Fee Income Per Member
profitability
Value: $294.42
Peer Median: -
#64 of 1069 Top 5.9% in 100M-500M tier
69
Total Members
engagement
Value: 30,534
Peer Median: -
#69 of 1069 Top 6.4% in 100M-500M tier
84
Total Deposits
balance_sheet
Value: $364.22M
Peer Median: -
#84 of 1069 Top 7.8% in 100M-500M tier
87
Total Assets
balance_sheet
Value: $419.12M
Peer Median: -
#87 of 1069 Top 8.0% in 100M-500M tier
122
Loan-to-Share Ratio
balance_sheet
Value: 91.48%
Peer Median: -
#122 of 1069 Top 11.3% in 100M-500M tier

Top Weaknesses (7 metrics)

1066
Member Growth Rate
growth
Value: -29.01%
Peer Median: -
#1066 of 1069 Bottom 0.4% in 100M-500M tier
996
Indirect Auto Concentration (%)
balance_sheet
Value: 42.36%
Peer Median: -
#996 of 1069 Bottom 6.9% in 100M-500M tier
990
Efficiency Ratio
profitability
Value: 91.57%
Peer Median: -
#990 of 1069 Bottom 7.5% in 100M-500M tier
983
Return on Assets (ROA)
profitability
Value: 0.05%
Peer Median: -
#983 of 1069 Bottom 8.1% in 100M-500M tier
957
Total Delinquency Rate (60+ days)
risk
Value: 1.68%
Peer Median: -
#957 of 1069 Bottom 10.6% in 100M-500M tier
933
Net Charge-Off Rate
risk
Value: 0.89%
Peer Median: -
#933 of 1069 Bottom 12.8% in 100M-500M tier
902
Net Worth Ratio
risk
Value: 9.15%
Peer Median: -
#902 of 1069 Bottom 15.7% in 100M-500M tier
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