BlastPoint's Credit Union Scorecard
STATE AGENCIES
Charter #8006 · LA
STATE AGENCIES has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.97% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 3.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.42% below tier average
- - Efficiency ratio 0.20% above tier (higher cost structure)
- - Delinquency rate 0.19% above tier average
- - Member decline: -3.4% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
674
-3.4% YoY-0.7% QoQ
|
-1.9K |
2,615
-1.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
18% |
| Assets |
$8.4M
-2.8% YoY-1.7% QoQ
|
$-21.7M |
$30.1M
+2.1% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
28% |
| Loans |
$4.1M
+2.7% YoY+2.9% QoQ
|
$-11.6M |
$15.8M
-1.3% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
30% |
| Deposits |
$5.3M
-4.6% YoY-3.0% QoQ
|
$-20.4M |
$25.7M
+1.4% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
24% |
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| ROA |
0.2%
-76.7% YoY+670.1% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
25% |
| NIM |
4.9%
+1.4% YoY+3.1% QoQ
|
+1.0% |
4.0%
+4.0% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
84% |
| Efficiency Ratio |
82.8%
+5.0% YoY+0.8% QoQ
|
+0.2% |
82.6%
-2.3% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
58% |
| Delinquency Rate |
1.7%
+47.0% YoY-8.9% QoQ
|
+0.2 |
1.6%
-3.1% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
75% |
| Loan To Share |
78.5%
+7.7% YoY+6.1% QoQ
|
+17.9% |
60.6%
-3.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
76% |
| AMR |
$13,988
+2.0% YoY+0.2% QoQ
|
$-795 |
$14,783
-1.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
51% |
| CD Concentration |
27.3%
+7.1% YoY+3.1% QoQ
|
+2.9% | 24.4% | 15.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.0% | 7.8% | 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)