BlastPoint's Credit Union Scorecard
JUDICIAL & JUSTICE
Charter #7045 · LA
JUDICIAL & JUSTICE has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.12% 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 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.54% below tier average
- - Efficiency ratio 10.85% above tier (higher cost structure)
- - Delinquency rate 0.97% above tier average
- - Member decline: -3.1% YoY
- - Total Loans: Bottom 7.8% in tier
- - Total Assets: Bottom 8.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.2% in tier
- - Total Deposits: Bottom 9.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
373
-3.1% YoY-0.5% QoQ
|
-2.2K |
2,615
-1.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
Bottom 10.1% in tier |
| Assets |
$1.6M
+0.0% YoY-6.0% QoQ
|
$-28.5M |
$30.1M
+2.1% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
Bottom 8.0% in tier |
| Loans |
$541,064
-15.2% YoY-5.5% QoQ
|
$-15.2M |
$15.8M
-1.3% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 7.8% in tier |
| Deposits |
$1.5M
-0.1% YoY-6.4% QoQ
|
$-24.2M |
$25.7M
+1.4% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 9.0% in tier |
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| ROA |
0.1%
-71.2% YoY-81.2% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
20% |
| NIM |
5.1%
-0.8% YoY-1.6% QoQ
|
+1.1% |
4.0%
+4.0% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
Top 13.1% in tier |
| Efficiency Ratio |
93.4%
+5.9% YoY+6.8% QoQ
|
+10.8% |
82.6%
-2.3% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
81% |
| Delinquency Rate |
2.5%
+149.5% QoQ
|
+1.0 |
1.6%
-3.1% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
83% |
| Loan To Share |
36.8%
-15.1% YoY+0.9% QoQ
|
-23.8% |
60.6%
-3.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
16% |
| AMR |
$5,388
-1.6% YoY-5.7% QoQ
|
$-9K |
$14,783
-1.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
Bottom 10.1% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 15.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.0% | 7.8% | 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)