BlastPoint's Credit Union Scorecard
UNION
Charter #7301 · LA
2596 CUs in <100M nationally
108 in LA
UNION has 6 strengths but faces 8 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
- + Members Per Employee (MPE): Top 9.2% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 4.05% below tier average
- - Efficiency ratio 134.31% above tier (higher cost structure)
- - Average Member Relationship (AMR): Bottom 1.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.1% in tier
- - Total Loans: Bottom 3.5% in tier
- - Total Assets: Bottom 3.8% in tier
- - Total Deposits: Bottom 3.8% in tier
- - Net Interest Margin (NIM): Bottom 9.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
571
+0.5% YoY+0.5% QoQ
|
-2.1K |
2,625
-2.2% YoY
|
9,352
+2.6% YoY
|
33,089
+6.1% YoY
|
16% |
| Assets |
$599,424
-2.6% YoY+0.5% QoQ
|
$-29.3M |
$29.9M
+1.1% YoY
|
$121.4M
+4.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 3.7% in tier |
| Loans |
$143,816
-4.1% YoY+2.6% QoQ
|
$-15.6M |
$15.8M
-2.4% YoY
|
$86.9M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 3.5% in tier |
| Deposits |
$443,906
+0.7% YoY+1.3% QoQ
|
$-25.0M |
$25.5M
+0.4% YoY
|
$103.9M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 3.7% in tier |
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| ROA |
-3.4%
+5.9% YoY-13.5% QoQ
|
-4.1% |
0.7%
-731.4% YoY
|
0.5%
+1.1% YoY
|
0.7%
+273.4% YoY
|
Bottom 1.7% in tier |
| NIM |
2.7%
-4.8% YoY+15.4% QoQ
|
-1.3% |
3.9%
+3.8% YoY
|
4.3%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Bottom 9.9% in tier |
| Efficiency Ratio |
215.7%
+6.0% YoY-16.0% QoQ
|
+134.3% |
81.4%
-2.4% YoY
|
82.9%
-3.6% YoY
|
79.1%
-3.3% YoY
|
Top 1.0% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.8%
-12.2% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
32.4%
-4.8% YoY+1.3% QoQ
|
-28.8% |
61.2%
-3.0% YoY
|
70.9%
-2.6% YoY
|
68.0%
-1.7% YoY
|
Bottom 11.9% in tier |
| AMR |
$1,029
-1.0% YoY+1.1% QoQ
|
$-14K |
$14,627
-2.7% YoY
|
$13,297
+2.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 1.2% in tier |
| CD Concentration | 0.0% | -24.4% |
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)
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 Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
241
Members Per Employee (MPE)
engagement
Value:
571.000
Peer Avg: -
#241 of 2596
Top 9.2% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
297
Net Worth Ratio
risk
Value:
24.66%
Peer Avg: -
#297 of 2596
Top 11.4% in <100M tier
Top Weaknesses (12 metrics)
2570
Efficiency Ratio
profitability
Value:
215.70%
Peer Avg: -
#2570 of 2596
Bottom 1.0% in <100M tier
2566
Average Member Relationship (AMR)
engagement
Value:
$1,029
Peer Avg: -
#2566 of 2596
Bottom 1.2% in <100M tier
2551
Return on Assets (ROA)
profitability
Value:
-3.37%
Peer Avg: -
#2551 of 2596
Bottom 1.8% in <100M tier
2542
Loan-to-Member Ratio (LMR)
engagement
Value:
$251.87
Peer Avg: -
#2542 of 2596
Bottom 2.1% in <100M tier
2505
Total Loans
balance_sheet
Value:
$143,816
Peer Avg: -
#2505 of 2596
Bottom 3.5% in <100M tier
2499
Total Assets
balance_sheet
Value:
$599,424
Peer Avg: -
#2499 of 2596
Bottom 3.8% in <100M tier
2499
Total Deposits
balance_sheet
Value:
$443,906
Peer Avg: -
#2499 of 2596
Bottom 3.8% in <100M tier
2339
Net Interest Margin (NIM)
profitability
Value:
2.65%
Peer Avg: -
#2339 of 2596
Bottom 9.9% in <100M tier
2307
Fee Income Per Member
profitability
Value:
$2.71
Peer Avg: -
#2307 of 2596
Bottom 11.2% in <100M tier
2282
Loan-to-Share Ratio
balance_sheet
Value:
32.40%
Peer Avg: -
#2282 of 2596
Bottom 12.1% in <100M tier