BlastPoint's Credit Union Scorecard
JUDICIAL & JUSTICE
Charter #7045 · LA
JUDICIAL & JUSTICE has 2 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.35% above tier average
- + Net Interest Margin 1.06% above tier average
Key Concerns
Areas that may need attention
- - Delinquency rate 1.55% above tier average
- - Member decline: -4.2% YoY
- - Total Loans: Bottom 7.7% in tier
- - Total Assets: Bottom 8.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.3% in tier
- - Total Deposits: Bottom 8.9% in tier
- - Total Members: Bottom 9.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
366
-4.2% YoY-1.9% QoQ
|
-2.3K |
2,676
+1.6% YoY
|
9,512
+2.6% YoY
|
33,913
+5.7% YoY
|
Bottom 9.9% in tier |
| Assets |
$1.6M
-3.6% YoY-0.8% QoQ
|
$-28.6M |
$30.2M
+1.3% YoY
|
$128.1M
+5.9% YoY
|
$578.3M
+9.0% YoY
|
Bottom 7.9% in tier |
| Loans |
$499,407
-13.0% YoY-7.7% QoQ
|
$-14.8M |
$15.3M
-2.0% YoY
|
$89.6M
+5.7% YoY
|
$402.4M
+8.7% YoY
|
Bottom 7.7% in tier |
| Deposits |
$1.5M
-3.9% YoY-1.0% QoQ
|
$-24.3M |
$25.8M
+0.7% YoY
|
$109.6M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 8.8% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.5%
-57.4% YoY+477.9% QoQ
|
+0.4% |
0.1%
-77.6% YoY
|
0.1%
-79.1% YoY
|
0.4%
-39.2% YoY
|
44% |
| NIM |
5.1%
-15.2% YoY-0.1% QoQ
|
+1.1% |
4.0%
+4.0% YoY
|
4.2%
-0.4% YoY
|
3.8%
+4.1% YoY
|
Top 10.7% in tier |
| Efficiency Ratio |
90.3%
+19.7% YoY-3.4% QoQ
|
-0.4% |
90.6%
+6.5% YoY
|
88.0%
+2.9% YoY
|
84.6%
+2.8% YoY
|
69% |
| Delinquency Rate |
3.0%
+160.1% YoY+20.7% QoQ
|
+1.5 |
1.5%
+3.8% YoY
|
1.7%
-21.7% YoY
|
1.2%
+3.4% YoY
|
Bottom 11.3% in tier |
| Loan To Share |
34.4%
-9.5% YoY-6.7% QoQ
|
-24.1% |
58.5%
-3.0% YoY
|
68.2%
-2.4% YoY
|
65.6%
-1.4% YoY
|
15% |
| AMR |
$5,335
-2.3% YoY-1.0% QoQ
|
$-10K |
$14,884
-1.7% YoY
|
$13,483
+2.5% YoY
|
$19,920
+1.6% YoY
|
Bottom 10.0% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 14.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.1% | 7.7% | 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)