BlastPoint's Credit Union Scorecard
CARTER
Charter #9164 · LA
CARTER has 6 strengths but faces 15 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 88.8% in tier
- + Fee Income Per Member: Top 1.8% in tier
- + Total Assets: Top 3.0% in tier
- + Loan-to-Share Ratio: Top 6.7% in tier
- + Total Loans: Top 7.3% in tier
- + Loan-to-Member Ratio (LMR): Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 0.0% in tier
- - Institutional Decline: Bottom 0.4% in tier
- - Membership Headwinds: Bottom 5.8% in tier
- - Credit Quality Pressure: Bottom 7.0% in tier
- - Liquidity Strain: Bottom 54.2% in tier
- - ROA 1.07% below tier average
- - Delinquency rate 3.08% above tier average
- - Member decline: -10.9% YoY
- - Total Delinquency Rate (60+ days): Bottom 0.6% in tier
- - Net Charge-Off Rate: Bottom 0.6% in tier
- - Member Growth Rate: Bottom 2.4% in tier
- - Share Certificate Concentration (%): Bottom 2.4% in tier
- - Loan Growth Rate: Bottom 3.0% in tier
- - Asset Growth Rate: Bottom 3.6% in tier
- - Deposit Growth Rate: Bottom 3.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
31,529
-10.9% YoY-9.4% QoQ
|
-7.0K |
38,575
-4.8% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
24% |
| Assets |
$737.1M
-6.0% YoY-0.8% QoQ
|
+$115.4M |
$621.7M
+0.1% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
Top 3.6% in tier |
| Loans |
$556.9M
-11.1% YoY-3.8% QoQ
|
+$127.1M |
$429.8M
-1.8% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
Top 7.9% in tier |
| Deposits |
$559.8M
-6.9% YoY-0.0% QoQ
|
+$21.0M |
$538.7M
+0.6% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
66% |
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| ROA |
-0.4%
+53.7% YoY-213.2% QoQ
|
-1.1% |
0.7%
+42.9% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
Bottom 1.2% in tier |
| NIM |
2.9%
+8.8% YoY+2.5% QoQ
|
-0.5% |
3.4%
+8.0% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
18% |
| Efficiency Ratio |
74.2%
-3.5% YoY-0.7% QoQ
|
-3.3% |
77.5%
-4.1% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
33% |
| Delinquency Rate |
3.9%
+29.5% YoY+4.7% QoQ
|
+3.1 |
0.8%
-1.1% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
Top 0.6% in tier |
| Loan To Share |
99.5%
-4.4% YoY-3.8% QoQ
|
+19.7% |
79.8%
-2.3% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
Top 7.3% in tier |
| AMR |
$35,418
+2.1% YoY+8.2% QoQ
|
+$9K |
$26,849
+2.7% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
Top 12.1% in tier |
| CD Concentration |
43.6%
-5.8% YoY-1.0% QoQ
|
+19.1% | 24.4% | 15.2% | 19.8% | Top 4.1% in tier |
| Indirect Auto % |
12.5%
-11.7% YoY+20.8% QoQ
|
-1.3% | 13.8% | 5.0% | 7.8% | 58% |
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 (5)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)