BlastPoint's Credit Union Scorecard
FOURTH WARD
Charter #7877 · LA
<100M
2508 CUs in <100M nationally
107 in LA
FOURTH WARD has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 4.09% above tier average
- + Net Interest Margin 2.36% above tier average
- + Efficiency Ratio: Top 1.3% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 8.59% above tier average
- - Total Delinquency Rate (60+ days): Bottom 2.3% in tier
- - Total Assets: Bottom 4.8% in tier
- - Fee Income Per Member: Bottom 5.4% in tier
- - Total Deposits: Bottom 5.5% in tier
- - Total Members: Bottom 5.5% in tier
- - Total Loans: Bottom 7.8% in tier
- - Deposit Growth Rate: Bottom 8.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
233
+0.9% YoY+3.6% QoQ
|
-2.4K |
2,676
+1.6% YoY
|
9,512
+2.6% YoY
|
33,913
+5.7% YoY
|
Bottom 5.5% in tier |
| Assets |
$909,700
-7.2% YoY+0.9% QoQ
|
$-29.3M |
$30.2M
+1.3% YoY
|
$128.1M
+5.9% YoY
|
$578.3M
+9.0% YoY
|
Bottom 4.8% in tier |
| Loans |
$500,208
-3.9% YoY+0.8% QoQ
|
$-14.8M |
$15.3M
-2.0% YoY
|
$89.6M
+5.7% YoY
|
$402.4M
+8.7% YoY
|
Bottom 7.8% in tier |
| Deposits |
$782,552
-8.6% YoY-0.2% QoQ
|
$-25.0M |
$25.8M
+0.7% YoY
|
$109.6M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 5.5% in tier |
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| ROA |
4.2%
-12.2% YoY+91.7% QoQ
|
+4.1% |
0.1%
-77.6% YoY
|
0.1%
-79.1% YoY
|
0.4%
-39.2% YoY
|
Top 0.8% in tier |
| NIM |
6.4%
-10.5% YoY+56.8% QoQ
|
+2.4% |
4.0%
+4.0% YoY
|
4.2%
-0.4% YoY
|
3.8%
+4.1% YoY
|
Top 2.5% in tier |
| Efficiency Ratio |
33.5%
+3.8% YoY-26.5% QoQ
|
-57.1% |
90.6%
+6.5% YoY
|
88.0%
+2.9% YoY
|
84.6%
+2.8% YoY
|
Top 1.3% in tier |
| Delinquency Rate |
10.1%
+275.0% YoY-0.7% QoQ
|
+8.6 |
1.5%
+3.8% YoY
|
1.7%
-21.7% YoY
|
1.2%
+3.4% YoY
|
Bottom 2.3% in tier |
| Loan To Share |
63.9%
+5.1% YoY+1.0% QoQ
|
+5.4% |
58.5%
-3.0% YoY
|
68.2%
-2.4% YoY
|
65.6%
-1.4% YoY
|
58% |
| AMR |
$5,505
-7.6% YoY-3.3% QoQ
|
$-9K |
$14,884
-1.7% YoY
|
$13,483
+2.5% YoY
|
$19,920
+1.6% YoY
|
Bottom 10.4% 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 (8 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
21
Return on Assets (ROA)
profitability
Value:
4.24%
Peer Median: 0.61%
#21 of 2508
Top 0.8% in <100M tier
33
Efficiency Ratio
profitability
Value:
33.51%
Peer Median: 81.45%
#33 of 2508
Top 1.3% in <100M tier
63
Net Interest Margin (NIM)
profitability
Value:
6.37%
Peer Median: 3.83%
#63 of 2508
Top 2.5% 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
620
Member Growth Rate
growth
Value:
0.87%
Peer Median: -1.37%
#620 of 2508
Top 24.7% in <100M tier
Top Weaknesses (12 metrics)
2451
Total Delinquency Rate (60+ days)
risk
Value:
10.09%
Peer Median: 0.65%
#2451 of 2508
Bottom 2.3% in <100M tier
2388
Total Assets
balance_sheet
Value:
$909,700
Peer Median: $21.86M
#2388 of 2508
Bottom 4.8% in <100M tier
2373
Fee Income Per Member
profitability
Value:
$0.10
Peer Median: $60.42
#2373 of 2508
Bottom 5.4% in <100M tier
2371
Total Deposits
balance_sheet
Value:
$782,552
Peer Median: $18.77M
#2371 of 2508
Bottom 5.5% in <100M tier
2370
Total Members
engagement
Value:
233
Peer Median: 1,918
#2370 of 2508
Bottom 5.5% in <100M tier
2313
Total Loans
balance_sheet
Value:
$500,208
Peer Median: $9.48M
#2313 of 2508
Bottom 7.8% in <100M tier
2292
Deposit Growth Rate
growth
Value:
-8.57%
Peer Median: 0.66%
#2292 of 2508
Bottom 8.7% in <100M tier
2291
Asset Growth Rate
growth
Value:
-7.21%
Peer Median: 1.30%
#2291 of 2508
Bottom 8.7% in <100M tier
2246
Average Member Relationship (AMR)
engagement
Value:
$5,505
Peer Median: $13,926
#2246 of 2508
Bottom 10.5% in <100M tier
2237
AMR Growth Rate
growth
Value:
-7.61%
Peer Median: 1.27%
#2237 of 2508
Bottom 10.8% in <100M tier