BlastPoint's Credit Union Scorecard
FLEUR-DE-LIS
Charter #7376 · LA
FLEUR-DE-LIS has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.38% above tier average
- + Fee Income Per Member: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.71% below tier average
- - Efficiency ratio 13.17% above tier (higher cost structure)
- - Member decline: -5.9% YoY
- - Indirect Auto Concentration (%): Bottom 4.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,543
-5.9% YoY-0.9% QoQ
|
-1.1K |
2,625
-2.2% YoY
|
9,352
+2.6% YoY
|
33,089
+6.1% YoY
|
41% |
| Assets |
$17.0M
+2.3% YoY-0.7% QoQ
|
$-12.9M |
$29.9M
+1.1% YoY
|
$121.4M
+4.9% YoY
|
$547.7M
+7.8% YoY
|
44% |
| Loans |
$6.2M
-11.9% YoY-0.8% QoQ
|
$-9.6M |
$15.8M
-2.4% YoY
|
$86.9M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
39% |
| Deposits |
$15.2M
+2.3% YoY-1.3% QoQ
|
$-10.3M |
$25.5M
+0.4% YoY
|
$103.9M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
46% |
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| ROA |
-0.0%
-104.8% YoY-92.4% QoQ
|
-0.7% |
0.7%
-731.4% YoY
|
0.5%
+1.1% YoY
|
0.7%
+273.4% YoY
|
15% |
| NIM |
4.3%
-4.1% YoY+0.4% QoQ
|
+0.4% |
3.9%
+3.8% YoY
|
4.3%
+3.2% YoY
|
3.7%
+5.0% YoY
|
67% |
| Efficiency Ratio |
94.6%
+9.6% YoY-2.4% QoQ
|
+13.2% |
81.4%
-2.4% YoY
|
82.9%
-3.6% YoY
|
79.1%
-3.3% YoY
|
83% |
| Delinquency Rate |
0.4%
+0.4% YoY+130.6% QoQ
|
-1.1 |
1.5%
-2.0% YoY
|
1.8%
-12.2% YoY
|
1.2%
-0.9% YoY
|
39% |
| Loan To Share |
41.0%
-13.9% YoY+0.5% QoQ
|
-20.3% |
61.2%
-3.0% YoY
|
70.9%
-2.6% YoY
|
68.0%
-1.7% YoY
|
20% |
| AMR |
$13,850
+3.8% YoY-0.3% QoQ
|
$-777 |
$14,627
-2.7% YoY
|
$13,297
+2.9% YoY
|
$19,418
+1.3% YoY
|
51% |
| CD Concentration |
16.0%
+7.4% YoY+5.7% QoQ
|
-8.4% |
24.4%
+4.2% YoY
|
15.0%
+9.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
27.0%
+4.3% YoY-1.0% QoQ
|
+13.1% |
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)