BlastPoint's Credit Union Scorecard
EAST BATON ROUGE TEACHERS
Charter #7253 · LA
EAST BATON ROUGE TEACHERS has 1 strength but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.23% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.85% below tier average
- - Efficiency ratio 17.26% above tier (higher cost structure)
- - Delinquency rate 5.72% above tier average
- - Net Charge-Off Rate: Bottom 3.3% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.5% in tier
- - Average Member Relationship (AMR): Bottom 6.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,603
+1.8% YoY+0.1% QoQ
|
-1.1K |
2,676
+1.6% YoY
|
9,512
+2.6% YoY
|
33,913
+5.7% YoY
|
43% |
| Assets |
$4.7M
-4.6% YoY-2.7% QoQ
|
$-25.5M |
$30.2M
+1.3% YoY
|
$128.1M
+5.9% YoY
|
$578.3M
+9.0% YoY
|
18% |
| Loans |
$2.5M
-0.4% YoY-7.1% QoQ
|
$-12.8M |
$15.3M
-2.0% YoY
|
$89.6M
+5.7% YoY
|
$402.4M
+8.7% YoY
|
21% |
| Deposits |
$4.3M
-5.2% YoY-1.7% QoQ
|
$-21.5M |
$25.8M
+0.7% YoY
|
$109.6M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
20% |
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| ROA |
-0.7%
-737.6% YoY-906.9% QoQ
|
-0.9% |
0.1%
-77.6% YoY
|
0.1%
-79.1% YoY
|
0.4%
-39.2% YoY
|
Bottom 10.8% in tier |
| NIM |
6.2%
+3.9% YoY+4.2% QoQ
|
+2.2% |
4.0%
+4.0% YoY
|
4.2%
-0.4% YoY
|
3.8%
+4.1% YoY
|
Top 3.0% in tier |
| Efficiency Ratio |
107.9%
+9.3% YoY+8.9% QoQ
|
+17.3% |
90.6%
+6.5% YoY
|
88.0%
+2.9% YoY
|
84.6%
+2.8% YoY
|
Bottom 10.7% in tier |
| Delinquency Rate |
7.2%
+201.6% YoY-5.7% QoQ
|
+5.7 |
1.5%
+3.8% YoY
|
1.7%
-21.7% YoY
|
1.2%
+3.4% YoY
|
Bottom 3.5% in tier |
| Loan To Share |
58.3%
+5.1% YoY-5.5% QoQ
|
-0.2% |
58.5%
-3.0% YoY
|
68.2%
-2.4% YoY
|
65.6%
-1.4% YoY
|
50% |
| AMR |
$4,215
-5.3% YoY-3.9% QoQ
|
$-11K |
$14,884
-1.7% YoY
|
$13,483
+2.5% YoY
|
$19,920
+1.6% YoY
|
Bottom 6.7% in tier |
| CD Concentration |
11.5%
+36.6% YoY+18.9% QoQ
|
-12.7% | 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)