BlastPoint's Credit Union Scorecard
NEIGHBORS
Charter #9229 · LA
NEIGHBORS faces 8 concerns requiring attention
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
No key strengths identified
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 32.3% in tier
- - Stagnation Risk: Bottom 64.3% in tier
- - Liquidity Strain: Bottom 93.9% in tier
- - Membership Headwinds: Bottom 98.8% in tier
- - ROA 0.33% below tier average
- - Efficiency ratio 3.79% above tier (higher cost structure)
- - Delinquency rate 0.70% above tier average
- - Net Charge-Off Rate: Bottom 6.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
81,266
-0.6% YoY-0.4% QoQ
|
-16.2K |
97,431
-2.4% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
43% |
| Assets |
$1.3B
+4.0% YoY+1.2% QoQ
|
$-373.6M |
$1.7B
+0.9% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
32% |
| Loans |
$1.1B
+0.4% YoY-2.8% QoQ
|
$-145.2M |
$1.2B
+0.5% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
47% |
| Deposits |
$1.2B
+4.1% YoY+0.3% QoQ
|
$-279.9M |
$1.5B
+0.9% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
39% |
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| ROA |
0.4%
-152.5% YoY-23.3% QoQ
|
-0.3% |
0.7%
+20.9% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
20% |
| NIM |
3.2%
+2.6% YoY-2.2% QoQ
|
-0.0% |
3.3%
+9.2% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
46% |
| Efficiency Ratio |
77.8%
-5.9% YoY+0.5% QoQ
|
+3.8% |
74.1%
-9.5% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
65% |
| Delinquency Rate |
1.6%
-12.9% YoY+0.8% QoQ
|
+0.7 |
0.9%
+6.2% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
Top 10.6% in tier |
| Loan To Share |
92.3%
-3.5% YoY-3.2% QoQ
|
+7.6% |
84.8%
-0.8% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
65% |
| AMR |
$27,916
+2.9% YoY-0.8% QoQ
|
$-2K |
$29,428
+2.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
51% |
| CD Concentration |
31.1%
-2.4% YoY-1.0% QoQ
|
+2.1% | 29.0% | 15.2% | 19.8% | 61% |
| Indirect Auto % |
37.6%
-4.7% YoY-6.7% QoQ
|
+19.3% | 18.3% | 5.0% | 7.8% | Top 13.3% in tier |
Signature Analysis
Strengths (0)
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)