BlastPoint's Credit Union Scorecard
FOURTH WARD
Charter #7877 · LA
2556 CUs in <100M nationally
109 in LA
FOURTH WARD has 7 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.59% above tier average
- + Net Interest Margin 0.11% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 2.8% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 8.61% above tier average
- - Total Delinquency Rate (60+ days): Bottom 2.3% in tier
- - Fee Income Per Member: Bottom 4.1% in tier
- - Asset Growth Rate: Bottom 4.1% in tier
- - Deposit Growth Rate: Bottom 4.5% in tier
- - Total Assets: Bottom 4.7% in tier
- - Total Members: Bottom 5.2% in tier
- - Total Deposits: Bottom 5.5% in tier
- - AMR Growth Rate: Bottom 6.5% in tier
- - Total Loans: Bottom 7.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
225
-1.3% YoY-2.6% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
Bottom 5.2% in tier |
| Assets |
$901,623
-10.4% YoY-0.4% QoQ
|
$-29.2M |
$30.1M
+2.1% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
Bottom 4.7% in tier |
| Loans |
$496,451
-9.2% YoY-4.0% QoQ
|
$-15.3M |
$15.8M
-1.3% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 7.4% in tier |
| Deposits |
$784,102
-12.2% YoY+4.1% QoQ
|
$-24.9M |
$25.7M
+1.4% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 5.5% in tier |
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| ROA |
2.2%
-34.6% YoY-62.3% QoQ
|
+1.6% |
0.6%
+10.8% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
Top 4.8% in tier |
| NIM |
4.1%
-20.5% YoY-48.3% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
57% |
| Efficiency Ratio |
45.6%
+34.7% YoY+79.3% QoQ
|
-37.0% |
82.6%
-2.3% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
Bottom 2.8% in tier |
| Delinquency Rate |
10.2%
+655.9% YoY+115.3% QoQ
|
+8.6 |
1.6%
-3.1% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
Top 2.3% in tier |
| Loan To Share |
63.3%
+3.5% YoY-7.8% QoQ
|
+2.7% |
60.6%
-3.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
54% |
| AMR |
$5,691
-9.9% YoY+3.5% QoQ
|
$-9K |
$14,783
-1.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
Bottom 10.9% 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 (6 metrics)
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
72
Efficiency Ratio
profitability
Value:
45.61%
Peer Median: -
#72 of 2556
Top 2.8% in <100M tier
122
Return on Assets (ROA)
profitability
Value:
2.21%
Peer Median: -
#122 of 2556
Top 4.7% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
Top Weaknesses (13 metrics)
2499
Total Delinquency Rate (60+ days)
risk
Value:
10.17%
Peer Median: -
#2499 of 2556
Bottom 2.3% in <100M tier
2451
Fee Income Per Member
profitability
Value:
$0.08
Peer Median: -
#2451 of 2556
Bottom 4.1% in <100M tier
2451
Asset Growth Rate
growth
Value:
-10.37%
Peer Median: -
#2451 of 2556
Bottom 4.1% in <100M tier
2442
Deposit Growth Rate
growth
Value:
-12.23%
Peer Median: -
#2442 of 2556
Bottom 4.5% in <100M tier
2436
Total Assets
balance_sheet
Value:
$901,623
Peer Median: -
#2436 of 2556
Bottom 4.7% in <100M tier
2423
Total Members
engagement
Value:
225
Peer Median: -
#2423 of 2556
Bottom 5.2% in <100M tier
2416
Total Deposits
balance_sheet
Value:
$784,102
Peer Median: -
#2416 of 2556
Bottom 5.5% in <100M tier
2391
AMR Growth Rate
growth
Value:
-9.89%
Peer Median: -
#2391 of 2556
Bottom 6.5% in <100M tier
2368
Total Loans
balance_sheet
Value:
$496,451
Peer Median: -
#2368 of 2556
Bottom 7.4% in <100M tier
2278
Average Member Relationship (AMR)
engagement
Value:
$5,691
Peer Median: -
#2278 of 2556
Bottom 10.9% in <100M tier