BlastPoint's Credit Union Scorecard
EAST BATON ROUGE TEACHERS
Charter #7253 · LA
EAST BATON ROUGE TEACHERS has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.11% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.56% below tier average
- - Efficiency ratio 17.33% above tier (higher cost structure)
- - Delinquency rate 6.28% above tier average
- - Total Delinquency Rate (60+ days): Bottom 3.0% in tier
- - Average Member Relationship (AMR): Bottom 7.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,580
-1.3% YoY+0.3% QoQ
|
-1.0K |
2,625
-2.2% YoY
|
9,352
+2.6% YoY
|
33,089
+6.1% YoY
|
42% |
| Assets |
$4.7M
+0.9% YoY-2.6% QoQ
|
$-25.1M |
$29.9M
+1.1% YoY
|
$121.4M
+4.9% YoY
|
$547.7M
+7.8% YoY
|
18% |
| Loans |
$2.6M
+4.9% YoY+2.1% QoQ
|
$-13.2M |
$15.8M
-2.4% YoY
|
$86.9M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
21% |
| Deposits |
$4.2M
+0.8% YoY-3.2% QoQ
|
$-21.2M |
$25.5M
+0.4% YoY
|
$103.9M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
20% |
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| ROA |
0.1%
-61.8% YoY+11.9% QoQ
|
-0.6% |
0.7%
-731.4% YoY
|
0.5%
+1.1% YoY
|
0.7%
+273.4% YoY
|
20% |
| NIM |
6.0%
-1.3% YoY+5.0% QoQ
|
+2.1% |
3.9%
+3.8% YoY
|
4.3%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Top 4.1% in tier |
| Efficiency Ratio |
98.7%
+2.2% YoY-0.1% QoQ
|
+17.3% |
81.4%
-2.4% YoY
|
82.9%
-3.6% YoY
|
79.1%
-3.3% YoY
|
Top 12.0% in tier |
| Delinquency Rate |
7.8%
+91.4% YoY+38.1% QoQ
|
+6.3 |
1.5%
-2.0% YoY
|
1.8%
-12.2% YoY
|
1.2%
-0.9% YoY
|
Top 3.0% in tier |
| Loan To Share |
60.9%
+4.1% YoY+5.5% QoQ
|
-0.4% |
61.2%
-3.0% YoY
|
70.9%
-2.6% YoY
|
68.0%
-1.7% YoY
|
50% |
| AMR |
$4,321
+3.7% YoY-1.5% QoQ
|
$-10K |
$14,627
-2.7% YoY
|
$13,297
+2.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 7.1% in tier |
| CD Concentration |
9.8%
+19.6% YoY+3.7% QoQ
|
-14.6% |
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)