BlastPoint's Credit Union Scorecard

NEIGHBORS

Charter #9229 · LA

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 4 in LA

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NEIGHBORS has 1 strength but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

LA Analysis

How does LA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Fee Income Per Member: Top 8.2% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 19.6% in tier
- Liquidity Strain: Bottom 24.3% in tier
- Indirect Auto Dependency: Bottom 57.6% in tier
- Stagnation Risk: Bottom 76.8% in tier
- Membership Headwinds: Bottom 76.8% in tier
- ROA 0.43% below tier average
- Efficiency ratio 7.45% above tier (higher cost structure)
- Delinquency rate 0.45% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Members	81,290 -0.6% YoY+0.0% QoQ	-14.8K	96,048 -2.7% YoY	9,512 +2.6% YoY	33,913 +5.7% YoY	44%
Assets	$1.4B +4.3% YoY+3.7% QoQ	$-319.6M	$1.7B +0.4% YoY	$128.1M +5.9% YoY	$578.3M +9.0% YoY	37%
Loans	$1.2B +3.0% YoY+6.8% QoQ	$-50.5M	$1.2B +0.2% YoY	$89.6M +5.7% YoY	$402.4M +8.7% YoY	57%
Deposits	$1.2B +4.0% YoY+4.8% QoQ	$-229.0M	$1.5B +0.5% YoY	$109.6M +6.0% YoY	$494.3M +9.1% YoY	44%

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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	0.3% +78.7% YoY-19.6% QoQ	-0.4%	0.7% +27.6% YoY	0.1% -79.1% YoY	0.4% -39.2% YoY	Bottom 15.0% in tier
NIM	3.1% -2.5% YoY-5.7% QoQ	-0.3%	3.4% +6.2% YoY	4.2% -0.4% YoY	3.8% +4.1% YoY	28%
Efficiency Ratio	82.1% +1.5% YoY+5.4% QoQ	+7.4%	74.6% -3.0% YoY	88.0% +2.9% YoY	84.6% +2.8% YoY	79%
Delinquency Rate	1.2% -7.2% YoY-24.4% QoQ	+0.5	0.8% +6.9% YoY	1.7% -21.7% YoY	1.2% +3.4% YoY	Bottom 12.7% in tier
Loan To Share	94.1% -1.0% YoY+1.9% QoQ	+10.9%	83.2% -0.4% YoY	68.2% -2.4% YoY	65.6% -1.4% YoY	78%
AMR	$29,521 +4.1% YoY+5.8% QoQ	$-131	$29,652 +2.3% YoY	$13,483 +2.5% YoY	$19,920 +1.6% YoY	59%
CD Concentration	29.9% -1.7% YoY-4.0% QoQ	+1.0%	28.8%	14.9%	19.8%	56%
Indirect Auto %	36.1% -6.4% YoY-4.1% QoQ	+18.0%	18.1%	5.1%	7.7%	Bottom 14.6% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Indirect Auto Dependency

risk

#57 of 198 • Bottom 57.6% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 4.27%

(Tier: 6.82%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 36.09%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -0.59%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank worsening

Efficiency Drag

risk

#36 of 100 • Bottom 19.6% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 82.08%

(Tier: 73.98%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.13% points

(Tier: 0.14% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -0.59%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

100 of 384 Mid-Market CUs have this signature | 702 nationally

↓ Shrinking -38 CUs YoY | Rank improving

Liquidity Strain

risk

#106 of 148 • Bottom 24.3% in tier

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

Why This Signature

Loan-to-Share Ratio: 94.07%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 2.98%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 CUs YoY | Rank worsening

Stagnation Risk

risk

#72 of 91 • Bottom 76.8% 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): -0.59%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 2.98%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Rate: 1.21%

(Tier: 0.75%, National: 1.19%)

worse than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Membership Headwinds

decline

#89 of 91 • Bottom 76.8% in tier

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

Why This Signature

Member Growth (YoY): -0.59%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

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 306 peers in tier

Top Strengths (3 metrics)

Fee Income Per Member

profitability

Value: $315.14

Peer Median: $191.54

#26 of 306 Top 8.2% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 17.58%

Peer Median: 33.05%

#34 of 306 Top 10.8% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 94.07%

Peer Median: 85.31%

#67 of 306 Top 21.6% in 1B-3B tier

Top Weaknesses (5 metrics)

268

Total Delinquency Rate (60+ days)

risk

Value: 1.21%

Peer Median: 0.63%

#268 of 306 Bottom 12.7% in 1B-3B tier

265

Indirect Auto Concentration (%)

balance_sheet

Value: 36.09%

Peer Median: 13.86%

#265 of 306 Bottom 13.7% in 1B-3B tier

260

Return on Assets (ROA)

profitability

Value: 0.29%

Peer Median: 0.66%

#260 of 306 Bottom 15.4% in 1B-3B tier

253

Net Charge-Off Rate

risk

Value: 0.92%

Peer Median: 0.51%

#253 of 306 Bottom 17.6% in 1B-3B tier

242

Efficiency Ratio

profitability

Value: 82.08%

Peer Median: 75.16%

#242 of 306 Bottom 21.2% in 1B-3B tier