BlastPoint's Credit Union Scorecard
CAMPUS
Charter #79 · LA
CAMPUS has 2 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does LA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 65.5% in tier
- + Total Delinquency Rate (60+ days): Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 18.6% in tier
- - Efficiency Drag: Bottom 66.1% in tier
- - ROA 0.11% below tier average
- - Efficiency ratio 7.18% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 9.4% in tier
- - Members Per Employee (MPE): Bottom 9.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
43,848
-0.4% YoY+0.1% QoQ
|
-8.2K |
52,084
-1.6% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
31% |
| Assets |
$925.7M
+5.4% YoY+3.4% QoQ
|
+$61.8M |
$863.9M
+0.5% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
76% |
| Loans |
$664.4M
+2.0% YoY+0.2% QoQ
|
+$58.6M |
$605.8M
+1.4% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
66% |
| Deposits |
$835.1M
+4.4% YoY+3.5% QoQ
|
+$97.8M |
$737.3M
+0.1% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
Top 12.8% in tier |
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| ROA |
0.6%
+133.8% YoY+2.1% QoQ
|
-0.1% |
0.7%
+39.1% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
44% |
| NIM |
3.3%
+10.0% YoY-0.0% QoQ
|
-0.1% |
3.4%
+8.7% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
37% |
| Efficiency Ratio |
81.5%
-3.8% YoY-1.0% QoQ
|
+7.2% |
74.3%
-3.6% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
77% |
| Delinquency Rate |
0.2%
-47.9% YoY-1.9% QoQ
|
-0.6 |
0.9%
+3.8% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
Bottom 7.7% in tier |
| Loan To Share |
79.6%
-2.3% YoY-3.3% QoQ
|
-3.0% |
82.6%
+1.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
29% |
| AMR |
$34,197
+3.7% YoY+2.0% QoQ
|
+$5K |
$28,873
+2.7% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
77% |
| CD Concentration |
30.5%
-2.9% YoY-4.4% QoQ
|
+6.0% | 24.4% | 15.2% | 19.8% | 72% |
| Indirect Auto % |
42.3%
+0.8% YoY-0.2% QoQ
|
+28.5% | 13.8% | 5.0% | 7.8% | Top 7.2% in tier |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)