BlastPoint's Credit Union Scorecard
JUDICIAL & JUSTICE
Charter #7045 · LA
JUDICIAL & JUSTICE has 5 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.22% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.22% below tier average
- - Efficiency ratio 6.06% above tier (higher cost structure)
- - Member decline: -5.5% YoY
- - Total Loans: Bottom 8.2% in tier
- - Total Assets: Bottom 8.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
375
-5.5% YoY-1.6% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
9,352
+2.6% YoY
|
33,089
+6.1% YoY
|
Bottom 10.5% in tier |
| Assets |
$1.8M
-1.5% YoY+3.3% QoQ
|
$-28.1M |
$29.9M
+1.1% YoY
|
$121.4M
+4.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 8.7% in tier |
| Loans |
$572,808
-13.3% YoY-2.5% QoQ
|
$-15.2M |
$15.8M
-2.4% YoY
|
$86.9M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 8.1% in tier |
| Deposits |
$1.6M
-2.0% YoY+3.4% QoQ
|
$-23.9M |
$25.5M
+0.4% YoY
|
$103.9M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 10.2% in tier |
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| ROA |
0.5%
-7.2% YoY+257.9% QoQ
|
-0.2% |
0.7%
-731.4% YoY
|
0.5%
+1.1% YoY
|
0.7%
+273.4% YoY
|
34% |
| NIM |
5.2%
+1.3% YoY+1.7% QoQ
|
+1.2% |
3.9%
+3.8% YoY
|
4.3%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Top 11.4% in tier |
| Efficiency Ratio |
87.5%
+4.4% YoY-4.6% QoQ
|
+6.1% |
81.4%
-2.4% YoY
|
82.9%
-3.6% YoY
|
79.1%
-3.3% YoY
|
72% |
| Delinquency Rate |
1.0%
+235.0% YoY-27.2% QoQ
|
-0.5 |
1.5%
-2.0% YoY
|
1.8%
-12.2% YoY
|
1.2%
-0.9% YoY
|
62% |
| Loan To Share |
36.5%
-11.5% YoY-5.7% QoQ
|
-24.7% |
61.2%
-3.0% YoY
|
70.9%
-2.6% YoY
|
68.0%
-1.7% YoY
|
16% |
| AMR |
$5,711
+0.3% YoY+3.4% QoQ
|
$-9K |
$14,627
-2.7% YoY
|
$13,297
+2.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 11.0% in tier |
| CD Concentration | 0.0% | -24.4% |
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)
Concerns (0)
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)