BlastPoint's Credit Union Scorecard
STATE AGENCIES
Charter #8006 · LA
2596 CUs in <100M nationally
108 in LA
STATE AGENCIES has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.84% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 3.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.66% below tier average
- - Efficiency ratio 0.68% above tier (higher cost structure)
- - Delinquency rate 0.40% above tier average
- - Member decline: -2.9% YoY
- - Net Charge-Off Rate: Bottom 9.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
679
-2.9% YoY-0.9% QoQ
|
-1.9K |
2,625
-2.2% YoY
|
9,352
+2.6% YoY
|
33,089
+6.1% YoY
|
19% |
| Assets |
$8.6M
-1.4% YoY-4.8% QoQ
|
$-21.3M |
$29.9M
+1.1% YoY
|
$121.4M
+4.9% YoY
|
$547.7M
+7.8% YoY
|
29% |
| Loans |
$4.0M
-5.8% YoY-0.1% QoQ
|
$-11.7M |
$15.8M
-2.4% YoY
|
$86.9M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
29% |
| Deposits |
$5.4M
-1.7% YoY-7.3% QoQ
|
$-20.0M |
$25.5M
+0.4% YoY
|
$103.9M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
25% |
| ROA |
0.0%
-98.4% YoY-82.1% QoQ
|
-0.7% |
0.7%
-731.4% YoY
|
0.5%
+1.1% YoY
|
0.7%
+273.4% YoY
|
17% |
| NIM |
4.8%
+1.4% YoY+0.2% QoQ
|
+0.8% |
3.9%
+3.8% YoY
|
4.3%
+3.2% YoY
|
3.7%
+5.0% YoY
|
81% |
| Efficiency Ratio |
82.1%
+28.1% YoY+0.2% QoQ
|
+0.7% |
81.4%
-2.4% YoY
|
82.9%
-3.6% YoY
|
79.1%
-3.3% YoY
|
59% |
| Delinquency Rate |
1.9%
-29.0% YoY-30.6% QoQ
|
+0.4 |
1.5%
-2.0% YoY
|
1.8%
-12.2% YoY
|
1.2%
-0.9% YoY
|
79% |
| Loan To Share |
74.1%
-4.2% YoY+7.7% QoQ
|
+12.8% |
61.2%
-3.0% YoY
|
70.9%
-2.6% YoY
|
68.0%
-1.7% YoY
|
69% |
| AMR |
$13,957
-0.6% YoY-3.5% QoQ
|
$-670 |
$14,627
-2.7% YoY
|
$13,297
+2.9% YoY
|
$19,418
+1.3% YoY
|
52% |
| CD Concentration |
26.5%
+6.3% YoY+3.7% QoQ
|
+2.1% |
24.4%
+4.2% YoY
|
15.0%
+9.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
5.3%
+10.6% YoY
|
7.9%
-2.9% YoY
|
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 (3 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
85
Net Worth Ratio
risk
Value:
36.58%
Peer Avg: 16.43%
#85 of 2596
Top 3.2% in <100M tier
491
Net Interest Margin (NIM)
profitability
Value:
4.77%
Peer Avg: 3.93%
#491 of 2596
Top 18.9% in <100M tier
Top Weaknesses (6 metrics)
2345
Net Charge-Off Rate
risk
Value:
1.38%
Peer Avg: 0.57%
#2345 of 2596
Bottom 9.7% in <100M tier
2145
Return on Assets (ROA)
profitability
Value:
0.03%
Peer Avg: 0.68%
#2145 of 2596
Bottom 17.4% in <100M tier
2104
Total Members
engagement
Value:
679
Peer Avg: 2,626
#2104 of 2596
Bottom 19.0% in <100M tier
2042
Total Delinquency Rate (60+ days)
risk
Value:
1.91%
Peer Avg: 1.51%
#2042 of 2596
Bottom 21.4% in <100M tier
2028
Share Certificate Concentration (%)
balance_sheet
Value:
26.51%
Peer Avg: 15.37%
#2028 of 2596
Bottom 21.9% in <100M tier
1955
Total Deposits
balance_sheet
Value:
$5.44M
Peer Avg: $25.45M
#1955 of 2596
Bottom 24.7% in <100M tier