BlastPoint's Credit Union Scorecard
CARTER
Charter #9164 · LA
CARTER has 6 strengths but faces 8 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 5.9% in tier
- + Wallet Share Momentum: Top 5.9% in tier
- + Fee Income Per Member: Top 3.6% in tier
- + AMR Growth Rate: Top 5.4% in tier
- + Loan-to-Share Ratio: Top 7.2% in tier
- + Loan-to-Member Ratio (LMR): Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 3.0% in tier
- - Credit Quality Pressure: Bottom 14.4% in tier
- - Stagnation Risk: Bottom 97.1% in tier
- - Membership Headwinds: Bottom 97.1% in tier
- - ROA 0.19% below tier average
- - Delinquency rate 2.87% above tier average
- - Member decline: -10.2% YoY
- - Total Delinquency Rate (60+ days): Bottom 0.9% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 111 credit unions with $750M-$1B in assets nationally, and 1 of 4 that size in Louisiana.
- Shares and deposits +1.9% year over year ($588M in shares and deposits).
- Membership: 31,384 members, -10.2% vs a year ago.
- Delinquency rate 3.66%.
- Return on assets 0.65%.
- Efficiency ratio 72.52% vs a 74.54% peer average.
- Loan-to-share ratio 100.74% vs a 82.60% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
31,384
-10.2% YoY-8.0% QoQ
|
-21.1K |
52,482
+1.3% YoY
|
9,550
+2.7% YoY
|
34,678
+6.6% YoY
|
Bottom 8.1% in tier |
| Assets |
$762.9M
+1.4% YoY+1.5% QoQ
|
$-101.0M |
$863.9M
+0.5% YoY
|
$130.2M
+7.1% YoY
|
$593.1M
+10.2% YoY
|
Bottom 2.7% in tier |
| Loans |
$591.9M
+0.3% YoY+6.7% QoQ
|
$-15.9M |
$607.8M
+2.1% YoY
|
$92.6M
+7.3% YoY
|
$418.6M
+10.1% YoY
|
40% |
| Deposits |
$587.6M
+1.9% YoY+1.7% QoQ
|
$-152.3M |
$739.9M
+0.2% YoY
|
$111.6M
+7.6% YoY
|
$504.8M
+10.3% YoY
|
Bottom 0.9% in tier |
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| ROA |
0.7%
+48.8% YoY-43.7% QoQ
|
-0.2% |
0.8%
+30.4% YoY
|
1.1%
+258.0% YoY
|
1.2%
+121.4% YoY
|
42% |
| NIM |
2.8%
+3.0% YoY-0.4% QoQ
|
-0.7% |
3.5%
+6.2% YoY
|
4.2%
-0.2% YoY
|
3.8%
+2.3% YoY
|
Bottom 13.5% in tier |
| Efficiency Ratio |
72.5%
-2.0% YoY+13.4% QoQ
|
-2.0% |
74.5%
-1.4% YoY
|
89.3%
+0.7% YoY
|
83.0%
-5.3% YoY
|
32% |
| Delinquency Rate |
3.7%
+12.4% YoY+28.5% QoQ
|
+2.9 |
0.8%
+1.0% YoY
|
2.0%
+21.9% YoY
|
1.3%
+2.6% YoY
|
Bottom 0.9% in tier |
| Loan To Share |
100.7%
-1.6% YoY+4.9% QoQ
|
+18.1% |
82.6%
+1.9% YoY
|
68.1%
-2.7% YoY
|
66.4%
-1.4% YoY
|
Top 8.1% in tier |
| AMR |
$37,581
+12.5% YoY+13.2% QoQ
|
+$9K |
$28,702
+0.4% YoY
|
$13,536
+2.7% YoY
|
$20,028
-0.9% YoY
|
Top 12.6% in tier |
| CD Concentration |
41.1%
-5.2% YoY-2.7% QoQ
|
+16.6% | 24.6% | 15.1% | 20.0% | Top 6.6% in tier |
| Indirect Auto % |
13.3%
+1.6% YoY+12.0% QoQ
|
-0.3% | 13.6% | 5.1% | 7.7% | 60% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)