BlastPoint's Credit Union Scorecard
UNION
Charter #7301 · LA
<100M
2508 CUs in <100M nationally
107 in LA
UNION has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Members Per Employee (MPE): Top 9.1% in tier
Key Concerns
Areas that may need attention
- - ROA 4.13% below tier average
- - Efficiency ratio 159.38% above tier (higher cost structure)
- - Average Member Relationship (AMR): Bottom 1.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.8% in tier
- - Total Loans: Bottom 3.0% in tier
- - Total Assets: Bottom 3.5% in tier
- - Total Deposits: Bottom 3.7% in tier
- - Fee Income Per Member: Bottom 7.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
568
-0.2% YoY-0.7% QoQ
|
-2.1K |
2,676
+1.6% YoY
|
9,512
+2.6% YoY
|
33,913
+5.7% YoY
|
16% |
| Assets |
$596,444
-2.5% YoY+5.7% QoQ
|
$-29.6M |
$30.2M
+1.3% YoY
|
$128.1M
+5.9% YoY
|
$578.3M
+9.0% YoY
|
Bottom 3.4% in tier |
| Loans |
$117,562
-7.8% YoY-10.1% QoQ
|
$-15.2M |
$15.3M
-2.0% YoY
|
$89.6M
+5.7% YoY
|
$402.4M
+8.7% YoY
|
Bottom 3.0% in tier |
| Deposits |
$453,915
+1.6% YoY+9.0% QoQ
|
$-25.3M |
$25.8M
+0.7% YoY
|
$109.6M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 3.6% in tier |
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| ROA |
-4.0%
+23.8% YoY+9.2% QoQ
|
-4.1% |
0.1%
-77.6% YoY
|
0.1%
-79.1% YoY
|
0.4%
-39.2% YoY
|
Bottom 2.5% in tier |
| NIM |
2.6%
-10.9% YoY+2.5% QoQ
|
-1.4% |
4.0%
+4.0% YoY
|
4.2%
-0.4% YoY
|
3.8%
+4.1% YoY
|
Bottom 9.2% in tier |
| Efficiency Ratio |
250.0%
+21.8% YoY+10.7% QoQ
|
+159.4% |
90.6%
+6.5% YoY
|
88.0%
+2.9% YoY
|
84.6%
+2.8% YoY
|
Bottom 1.2% in tier |
| Delinquency Rate | 0.5% | -1.0 |
1.5%
+3.8% YoY
|
1.7%
-21.7% YoY
|
1.2%
+3.4% YoY
|
44% |
| Loan To Share |
25.9%
-9.3% YoY-17.5% QoQ
|
-32.6% |
58.5%
-3.0% YoY
|
68.2%
-2.4% YoY
|
65.6%
-1.4% YoY
|
Bottom 8.0% in tier |
| AMR |
$1,006
-0.3% YoY+5.1% QoQ
|
$-14K |
$14,884
-1.7% YoY
|
$13,483
+2.5% YoY
|
$19,920
+1.6% YoY
|
Bottom 1.1% 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)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
230
Members Per Employee (MPE)
engagement
Value:
568.000
Peer Median: 333.750
#230 of 2508
Top 9.1% in <100M tier
376
Net Worth Ratio
risk
Value:
22.77%
Peer Median: 14.28%
#376 of 2508
Top 15.0% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (11 metrics)
2480
Efficiency Ratio
profitability
Value:
250.01%
Peer Median: 81.45%
#2480 of 2508
Bottom 1.2% in <100M tier
2480
Average Member Relationship (AMR)
engagement
Value:
$1,006
Peer Median: $13,926
#2480 of 2508
Bottom 1.2% in <100M tier
2465
Loan-to-Member Ratio (LMR)
engagement
Value:
$206.98
Peer Median: $4,923
#2465 of 2508
Bottom 1.8% in <100M tier
2445
Return on Assets (ROA)
profitability
Value:
-3.98%
Peer Median: 0.61%
#2445 of 2508
Bottom 2.6% in <100M tier
2433
Total Loans
balance_sheet
Value:
$117,562
Peer Median: $9.48M
#2433 of 2508
Bottom 3.0% in <100M tier
2422
Total Assets
balance_sheet
Value:
$596,444
Peer Median: $21.86M
#2422 of 2508
Bottom 3.5% in <100M tier
2417
Total Deposits
balance_sheet
Value:
$453,915
Peer Median: $18.77M
#2417 of 2508
Bottom 3.7% in <100M tier
2324
Fee Income Per Member
profitability
Value:
$0.71
Peer Median: $60.42
#2324 of 2508
Bottom 7.4% in <100M tier
2306
Loan-to-Share Ratio
balance_sheet
Value:
25.90%
Peer Median: 58.72%
#2306 of 2508
Bottom 8.1% in <100M tier
2278
Net Interest Margin (NIM)
profitability
Value:
2.58%
Peer Median: 3.83%
#2278 of 2508
Bottom 9.2% in <100M tier