BlastPoint's Credit Union Scorecard

ACADIAN

Charter #6898 · LA

2596 CUs in <100M nationally 108 in LA

ACADIAN has 3 strengths but faces 1 concern

National Analysis

How does the industry compare?

LA Analysis

How does LA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.74% above tier average
+ Net Interest Margin 0.51% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- Member decline: -3.2% YoY

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Members	2,717 -3.2% YoY+0.2% QoQ	+91	2,625 -2.2% YoY	9,352 +2.6% YoY	33,089 +6.1% YoY	63%
Assets	$20.5M +4.0% YoY+1.2% QoQ	$-9.3M	$29.9M +1.1% YoY	$121.4M +4.9% YoY	$547.7M +7.8% YoY	49%
Loans	$12.0M -3.8% YoY-0.1% QoQ	$-3.8M	$15.8M -2.4% YoY	$86.9M +5.1% YoY	$388.7M +8.6% YoY	55%
Deposits	$18.2M +2.8% YoY+1.1% QoQ	$-7.3M	$25.5M +0.4% YoY	$103.9M +6.5% YoY	$464.6M +9.3% YoY	50%

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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	1.4% -11.9% YoY-15.2% QoQ	+0.7%	0.7% -731.4% YoY	0.5% +1.1% YoY	0.7% +273.4% YoY	78%
NIM	4.4% -2.3% YoY-0.2% QoQ	+0.5%	3.9% +3.8% YoY	4.3% +3.2% YoY	3.7% +5.0% YoY	71%
Efficiency Ratio	68.3% +6.3% YoY+3.2% QoQ	-13.1%	81.4% -2.4% YoY	82.9% -3.6% YoY	79.1% -3.3% YoY	28%
Delinquency Rate	0.4% -56.2% YoY+359.4% QoQ	-1.1	1.5% -2.0% YoY	1.8% -12.2% YoY	1.2% -0.9% YoY	38%
Loan To Share	65.8% -6.4% YoY-1.2% QoQ	+4.5%	61.2% -3.0% YoY	70.9% -2.6% YoY	68.0% -1.7% YoY	56%
AMR	$11,095 +3.4% YoY+0.4% QoQ	$-4K	$14,627 -2.7% YoY	$13,297 +2.9% YoY	$19,418 +1.3% YoY	34%
CD Concentration	7.4% -6.7% YoY+1.1% QoQ	-17.0%	24.4% +4.2% YoY	15.0% +9.1% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	5.3% +10.6% YoY	7.9% -2.9% YoY	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)

Compare against:

Comparing against 2596 peers in tier

Top Strengths (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 2596 Top 0.0% in <100M tier

294

Members Per Employee (MPE)

engagement

Value: 543.400

Peer Avg: -

#294 of 2596 Top 11.3% in <100M tier

571

Return on Assets (ROA)

profitability

Value: 1.42%

Peer Avg: -

#571 of 2596 Top 22.0% in <100M tier

Top Weaknesses (0 metrics)

No weakness rankings available