BlastPoint's Credit Union Scorecard

CARTER

Charter #9164 · LA

Community 750M-1B

117 CUs in 750M-1B nationally 4 in LA

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CARTER has 2 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

LA Analysis

How does LA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.39% above tier average
+ Fee Income Per Member: Top 2.6% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 3.6% in tier
- Liquidity Strain: Bottom 4.5% in tier
- Institutional Decline: Bottom 8.6% in tier
- Stagnation Risk: Bottom 93.3% in tier
- Membership Headwinds: Bottom 93.3% in tier
- Delinquency rate 2.17% above tier average
- Member decline: -6.1% YoY
- Total Delinquency Rate (60+ days): Bottom 0.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Members	34,100 -6.1% YoY+8.2% QoQ	-17.4K	51,500 +0.7% YoY	9,512 +2.6% YoY	33,913 +5.7% YoY	Bottom 13.7% in tier
Assets	$751.9M -4.1% YoY+2.0% QoQ	$-113.8M	$865.6M +0.9% YoY	$128.1M +5.9% YoY	$578.3M +9.0% YoY	Bottom 0.9% in tier
Loans	$554.5M -8.1% YoY-0.4% QoQ	$-40.8M	$595.3M +1.6% YoY	$89.6M +5.7% YoY	$402.4M +8.7% YoY	32%
Deposits	$577.6M -4.4% YoY+3.2% QoQ	$-164.6M	$742.2M +0.6% YoY	$109.6M +6.0% YoY	$494.3M +9.1% YoY	Bottom 0.9% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.2% +79.6% YoY-378.4% QoQ	+0.4%	0.8% +45.0% YoY	0.1% -79.1% YoY	0.4% -39.2% YoY	80%
NIM	2.8% +6.5% YoY-3.4% QoQ	-0.6%	3.5% +6.1% YoY	4.2% -0.4% YoY	3.8% +4.1% YoY	16%
Efficiency Ratio	63.9% -8.2% YoY-13.8% QoQ	-11.6%	75.5% -3.4% YoY	88.0% +2.9% YoY	84.6% +2.8% YoY	15%
Delinquency Rate	2.9% +39.2% YoY-27.2% QoQ	+2.2	0.7% -0.1% YoY	1.7% -21.7% YoY	1.2% +3.4% YoY	Bottom 0.9% in tier
Loan To Share	96.0% -3.9% YoY-3.5% QoQ	+15.4%	80.6% +0.7% YoY	68.2% -2.4% YoY	65.6% -1.4% YoY	Top 11.1% in tier
AMR	$33,199 -0.1% YoY-6.3% QoQ	+$4K	$28,908 +0.7% YoY	$13,483 +2.5% YoY	$19,920 +1.6% YoY	75%
CD Concentration	42.2% -4.5% YoY-3.0% QoQ	+18.0%	24.3%	14.9%	19.8%	Top 4.7% in tier
Indirect Auto %	11.9% -7.4% YoY-4.8% QoQ	-1.9%	13.8%	5.1%	7.7%	57%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Institutional Decline

decline

#4 of 250 • Bottom 8.6% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $751.87M

(Tier: $334.04M, National: $578.34M)

but better than tier avg

Member Growth (YoY): -6.13%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -8.14%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 284 Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Stagnation Risk

risk

#9 of 570 • Bottom 93.3% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -6.13%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -8.14%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 2.85%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

Credit Quality Pressure

risk

#48 of 727 • Bottom 3.6% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.80% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Membership Headwinds

decline

#91 of 570 • Bottom 93.3% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -6.13%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

Liquidity Strain

risk

#116 of 183 • Bottom 4.5% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 96.00%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): -8.14%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

183 of 284 Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 117 peers in tier

Top Strengths (6 metrics)

Fee Income Per Member

profitability

Value: $487.58

Peer Median: $187.56

#4 of 117 Top 2.6% in 750M-1B tier

Loan-to-Share Ratio

balance_sheet

Value: 96.00%

Peer Median: 84.41%

#13 of 117 Top 10.3% in 750M-1B tier

Efficiency Ratio

profitability

Value: 63.92%

Peer Median: 77.38%

#19 of 117 Top 15.4% in 750M-1B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,261

Peer Median: $11,598

#19 of 117 Top 15.4% in 750M-1B tier

Return on Assets (ROA)

profitability

Value: 1.16%

Peer Median: 0.63%

#24 of 117 Top 19.7% in 750M-1B tier

Average Member Relationship (AMR)

engagement

Value: $33,199

Peer Median: $26,209

#29 of 117 Top 23.9% in 750M-1B tier

Top Weaknesses (14 metrics)

117

Total Delinquency Rate (60+ days)

risk

Value: 2.85%

Peer Median: 0.56%

#117 of 117 Bottom 0.9% in 750M-1B tier

116

Total Assets

balance_sheet

Value: $751.87M

Peer Median: $858.87M

#116 of 117 Bottom 1.7% in 750M-1B tier

116

Total Deposits

balance_sheet

Value: $577.59M

Peer Median: $735.65M

#116 of 117 Bottom 1.7% in 750M-1B tier

115

Loan Growth Rate

growth

Value: -8.14%

Peer Median: 4.33%

#115 of 117 Bottom 2.6% in 750M-1B tier

112

Asset Growth Rate

growth

Value: -4.10%

Peer Median: 4.88%

#112 of 117 Bottom 5.1% in 750M-1B tier

112

Deposit Growth Rate

growth

Value: -4.40%

Peer Median: 4.60%

#112 of 117 Bottom 5.1% in 750M-1B tier

111

Share Certificate Concentration (%)

balance_sheet

Value: 42.24%

Peer Median: 26.77%

#111 of 117 Bottom 6.0% in 750M-1B tier

107

Member Growth Rate

growth

Value: -6.13%

Peer Median: 0.97%

#107 of 117 Bottom 9.4% in 750M-1B tier

102

Net Worth Ratio

risk

Value: 8.73%

Peer Median: 10.69%

#102 of 117 Bottom 13.7% in 750M-1B tier

101

Total Members

engagement

Value: 34,100

Peer Median: 51,712

#101 of 117 Bottom 14.5% in 750M-1B tier