BlastPoint's Credit Union Scorecard
PAN AMOCO
Charter #8920 · LA
PAN AMOCO has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 9.6% in tier
Key Concerns
Areas that may need attention
- - ROA 1.38% below tier average
- - Efficiency ratio 11.86% above tier (higher cost structure)
- - Net Charge-Off Rate: Bottom 5.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,134
-1.9% YoY-1.0% QoQ
|
-1.5K |
2,625
-2.2% YoY
|
9,352
+2.6% YoY
|
33,089
+6.1% YoY
|
31% |
| Assets |
$7.4M
-4.3% YoY+1.3% QoQ
|
$-22.5M |
$29.9M
+1.1% YoY
|
$121.4M
+4.9% YoY
|
$547.7M
+7.8% YoY
|
27% |
| Loans |
$3.7M
-8.1% YoY+0.6% QoQ
|
$-12.1M |
$15.8M
-2.4% YoY
|
$86.9M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
27% |
| Deposits |
$6.7M
-3.8% YoY+1.4% QoQ
|
$-18.8M |
$25.5M
+0.4% YoY
|
$103.9M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
29% |
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| ROA |
-0.7%
+50.9% YoY-36.4% QoQ
|
-1.4% |
0.7%
-731.4% YoY
|
0.5%
+1.1% YoY
|
0.7%
+273.4% YoY
|
Bottom 7.2% in tier |
| NIM |
3.5%
+17.9% YoY-2.1% QoQ
|
-0.5% |
3.9%
+3.8% YoY
|
4.3%
+3.2% YoY
|
3.7%
+5.0% YoY
|
33% |
| Efficiency Ratio |
93.3%
-12.8% YoY+2.2% QoQ
|
+11.9% |
81.4%
-2.4% YoY
|
82.9%
-3.6% YoY
|
79.1%
-3.3% YoY
|
81% |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
-2.0% YoY
|
1.8%
-12.2% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
54.7%
-4.5% YoY-0.8% QoQ
|
-6.6% |
61.2%
-3.0% YoY
|
70.9%
-2.6% YoY
|
68.0%
-1.7% YoY
|
40% |
| AMR |
$9,143
-3.5% YoY+2.1% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$13,297
+2.9% YoY
|
$19,418
+1.3% YoY
|
25% |
| CD Concentration |
16.8%
+13.2% YoY-1.8% QoQ
|
-7.6% |
24.4%
+4.2% YoY
|
15.0%
+9.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.3%
+10.6% YoY
|
7.9%
-2.9% YoY
|
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)