BlastPoint's Credit Union Scorecard
EAST BATON ROUGE TEACHERS
Charter #7253 · LA
EAST BATON ROUGE TEACHERS has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.03% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 3.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.53% below tier average
- - Efficiency ratio 16.53% above tier (higher cost structure)
- - Delinquency rate 6.11% above tier average
- - Total Delinquency Rate (60+ days): Bottom 3.0% in tier
- - Average Member Relationship (AMR): Bottom 7.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,601
-0.7% YoY+1.3% QoQ
|
-1.0K |
2,615
-1.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
43% |
| Assets |
$4.9M
+4.2% YoY+3.0% QoQ
|
$-25.3M |
$30.1M
+2.1% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
18% |
| Loans |
$2.7M
+0.5% YoY+3.7% QoQ
|
$-13.1M |
$15.8M
-1.3% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
22% |
| Deposits |
$4.3M
+6.0% YoY+2.3% QoQ
|
$-21.3M |
$25.7M
+1.4% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
20% |
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| ROA |
0.1%
-67.1% YoY-27.4% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
20% |
| NIM |
6.0%
-2.0% YoY-0.9% QoQ
|
+2.0% |
4.0%
+4.0% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
Top 4.0% in tier |
| Efficiency Ratio |
99.1%
+1.9% YoY+0.4% QoQ
|
+16.5% |
82.6%
-2.3% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
Top 12.1% in tier |
| Delinquency Rate |
7.7%
+219.9% YoY-1.6% QoQ
|
+6.1 |
1.6%
-3.1% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
Top 3.0% in tier |
| Loan To Share |
61.7%
-5.3% YoY+1.4% QoQ
|
+1.1% |
60.6%
-3.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
51% |
| AMR |
$4,384
+4.5% YoY+1.5% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
Bottom 7.1% in tier |
| CD Concentration |
9.7%
+2.0% YoY-1.3% QoQ
|
-14.7% | 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)