BlastPoint's Credit Union Scorecard
UNION
Charter #7301 · LA
2556 CUs in <100M nationally
109 in LA
UNION has 6 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
- + Members Per Employee (MPE): Top 8.8% in tier
Key Concerns
Areas that may need attention
- - ROA 4.27% below tier average
- - Efficiency ratio 143.20% above tier (higher cost structure)
- - Average Member Relationship (AMR): Bottom 1.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.9% in tier
- - Total Loans: Bottom 3.2% in tier
- - Total Assets: Bottom 3.4% in tier
- - Total Deposits: Bottom 3.5% in tier
- - Net Interest Margin (NIM): Bottom 8.3% in tier
- - Asset Growth Rate: 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 |
572
+0.5% YoY+0.2% QoQ
|
-2.0K |
2,615
-1.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
16% |
| Assets |
$564,331
-6.5% YoY-5.9% QoQ
|
$-29.6M |
$30.1M
+2.1% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
Bottom 3.4% in tier |
| Loans |
$130,764
-7.1% YoY-9.1% QoQ
|
$-15.6M |
$15.8M
-1.3% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 3.2% in tier |
| Deposits |
$416,613
-4.2% YoY-6.1% QoQ
|
$-25.3M |
$25.7M
+1.4% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 3.4% in tier |
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| ROA |
-3.6%
+8.8% YoY+8.2% QoQ
|
-4.3% |
0.6%
+10.8% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
Bottom 1.4% in tier |
| NIM |
2.5%
-3.7% YoY-4.9% QoQ
|
-1.4% |
4.0%
+4.0% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
Bottom 8.2% in tier |
| Efficiency Ratio |
225.8%
+4.4% YoY+4.7% QoQ
|
+143.2% |
82.6%
-2.3% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
Top 0.8% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.6 |
1.6%
-3.1% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
31.4%
-3.0% YoY-3.1% QoQ
|
-29.2% |
60.6%
-3.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
Bottom 11.1% in tier |
| AMR |
$957.0
-5.4% YoY-7.0% QoQ
|
$-14K |
$14,783
-1.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
Bottom 1.0% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 15.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.0% | 7.8% | 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 (7 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
227
Members Per Employee (MPE)
engagement
Value:
572.000
Peer Median: -
#227 of 2556
Top 8.8% in <100M tier
283
Net Worth Ratio
risk
Value:
25.12%
Peer Median: -
#283 of 2556
Top 11.0% in <100M tier
Top Weaknesses (14 metrics)
2536
Efficiency Ratio
profitability
Value:
225.76%
Peer Median: -
#2536 of 2556
Bottom 0.8% in <100M tier
2531
Average Member Relationship (AMR)
engagement
Value:
$956.95
Peer Median: -
#2531 of 2556
Bottom 1.0% in <100M tier
2519
Return on Assets (ROA)
profitability
Value:
-3.64%
Peer Median: -
#2519 of 2556
Bottom 1.5% in <100M tier
2509
Loan-to-Member Ratio (LMR)
engagement
Value:
$228.61
Peer Median: -
#2509 of 2556
Bottom 1.9% in <100M tier
2475
Total Loans
balance_sheet
Value:
$130,764
Peer Median: -
#2475 of 2556
Bottom 3.2% in <100M tier
2469
Total Assets
balance_sheet
Value:
$564,331
Peer Median: -
#2469 of 2556
Bottom 3.4% in <100M tier
2468
Total Deposits
balance_sheet
Value:
$416,613
Peer Median: -
#2468 of 2556
Bottom 3.5% in <100M tier
2346
Net Interest Margin (NIM)
profitability
Value:
2.52%
Peer Median: -
#2346 of 2556
Bottom 8.3% in <100M tier
2309
Asset Growth Rate
growth
Value:
-6.53%
Peer Median: -
#2309 of 2556
Bottom 9.7% in <100M tier
2271
Loan-to-Share Ratio
balance_sheet
Value:
31.39%
Peer Median: -
#2271 of 2556
Bottom 11.2% in <100M tier