BlastPoint's Credit Union Scorecard
CAMPUS
Charter #79 · LA
CAMPUS has 3 strengths but faces 8 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
- + Credit Quality Leader: Top 54.0% in tier
- + Relationship Depth Leader: Top 66.4% in tier
- + Total Delinquency Rate (60+ days): Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 9.8% in tier
- - Efficiency Drag: Bottom 20.4% in tier
- - Stagnation Risk: Bottom 21.5% in tier
- - Membership Headwinds: Bottom 30.8% in tier
- - ROA 0.09% below tier average
- - Efficiency ratio 7.86% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 9.8% in tier
- - Members Per Employee (MPE): Bottom 9.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
43,824
-0.7% YoY+1.6% QoQ
|
-8.3K |
52,114
-2.1% YoY
|
9,352
+2.6% YoY
|
33,089
+6.1% YoY
|
30% |
| Assets |
$895.5M
+2.2% YoY+1.0% QoQ
|
+$36.5M |
$859.0M
+0.0% YoY
|
$121.4M
+4.9% YoY
|
$547.7M
+7.8% YoY
|
67% |
| Loans |
$663.4M
+2.3% YoY-0.6% QoQ
|
+$60.0M |
$603.4M
+1.0% YoY
|
$86.9M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
66% |
| Deposits |
$806.5M
+2.8% YoY+0.5% QoQ
|
+$72.4M |
$734.2M
+0.9% YoY
|
$103.9M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
83% |
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| ROA |
0.6%
+159.3% YoY+2.8% QoQ
|
-0.1% |
0.7%
+27.6% YoY
|
0.5%
+1.1% YoY
|
0.7%
+273.4% YoY
|
41% |
| NIM |
3.3%
+12.3% YoY+2.4% QoQ
|
-0.1% |
3.4%
+9.6% YoY
|
4.3%
+3.2% YoY
|
3.7%
+5.0% YoY
|
41% |
| Efficiency Ratio |
82.4%
-4.4% YoY-0.0% QoQ
|
+7.9% |
74.5%
-3.2% YoY
|
82.9%
-3.6% YoY
|
79.1%
-3.3% YoY
|
79% |
| Delinquency Rate |
0.2%
-56.0% YoY-41.9% QoQ
|
-0.6 |
0.8%
+5.0% YoY
|
1.8%
-12.2% YoY
|
1.2%
-0.9% YoY
|
Bottom 8.9% in tier |
| Loan To Share |
82.3%
-0.5% YoY-1.2% QoQ
|
-0.4% |
82.7%
+0.1% YoY
|
70.9%
-2.6% YoY
|
68.0%
-1.7% YoY
|
37% |
| AMR |
$33,542
+3.3% YoY-1.6% QoQ
|
+$5K |
$28,651
+2.5% YoY
|
$13,297
+2.9% YoY
|
$19,418
+1.3% YoY
|
78% |
| CD Concentration |
31.8%
+1.8% YoY+1.0% QoQ
|
+7.4% |
24.4%
+4.2% YoY
|
15.0%
+9.1% YoY
|
19.6%
+6.2% YoY
|
75% |
| Indirect Auto % |
42.3%
+2.0% YoY-0.2% QoQ
|
+28.4% |
14.0%
-5.7% YoY
|
5.3%
+10.6% YoY
|
7.9%
-2.9% YoY
|
Top 7.4% in tier |
Signature Analysis
Strengths (2)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (4)
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.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)