BlastPoint's Credit Union Scorecard
NEIGHBORS
Charter #9229 · LA
NEIGHBORS has 1 strength 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
- + Wallet Share Momentum: Top 19.1% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 16.8% in tier
- - Liquidity Strain: Bottom 27.5% in tier
- - Indirect Auto Dependency: Bottom 46.8% in tier
- - Stagnation Risk: Bottom 78.0% in tier
- - Membership Headwinds: Bottom 78.0% in tier
- - ROA 0.52% below tier average
- - Efficiency ratio 8.08% above tier (higher cost structure)
- - Delinquency rate 0.39% above tier average
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 300 credit unions with $1B-$3B in assets nationally, and 1 of 4 that size in Louisiana.
- Shares and deposits +5.5% year over year ($1.24B in shares and deposits).
- Membership: 81,187 members, -0.8% vs a year ago.
- Delinquency rate 1.25%.
- Return on assets 0.30%.
- Efficiency ratio 81.09% vs a 73.02% peer average.
- Loan-to-share ratio 94.81% vs a 84.71% 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 |
81,187
-0.8% YoY-0.1% QoQ
|
-15.7K |
96,861
-1.9% YoY
|
9,550
+2.7% YoY
|
34,678
+6.6% YoY
|
42% |
| Assets |
$1.4B
+5.6% YoY+0.6% QoQ
|
$-315.3M |
$1.7B
+0.4% YoY
|
$130.2M
+7.1% YoY
|
$593.1M
+10.2% YoY
|
38% |
| Loans |
$1.2B
+7.4% YoY+1.4% QoQ
|
$-54.9M |
$1.2B
+0.7% YoY
|
$92.6M
+7.3% YoY
|
$418.6M
+10.1% YoY
|
54% |
| Deposits |
$1.2B
+5.5% YoY+0.6% QoQ
|
$-219.5M |
$1.5B
+0.5% YoY
|
$111.6M
+7.6% YoY
|
$504.8M
+10.3% YoY
|
45% |
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| ROA |
0.3%
-11.2% YoY+4.3% QoQ
|
-0.5% |
0.8%
+27.6% YoY
|
1.1%
+258.0% YoY
|
1.2%
+121.4% YoY
|
Bottom 11.7% in tier |
| NIM |
3.1%
-2.8% YoY+2.5% QoQ
|
-0.3% |
3.4%
+6.6% YoY
|
4.2%
-0.2% YoY
|
3.8%
+2.3% YoY
|
28% |
| Efficiency Ratio |
81.1%
+2.2% YoY-1.2% QoQ
|
+8.1% |
73.0%
-2.7% YoY
|
89.3%
+0.7% YoY
|
83.0%
-5.3% YoY
|
82% |
| Delinquency Rate |
1.2%
-24.6% YoY+3.4% QoQ
|
+0.4 |
0.9%
+7.3% YoY
|
2.0%
+21.9% YoY
|
1.3%
+2.6% YoY
|
80% |
| Loan To Share |
94.8%
+1.7% YoY+0.8% QoQ
|
+10.1% |
84.7%
+0.1% YoY
|
68.1%
-2.7% YoY
|
66.4%
-1.4% YoY
|
76% |
| AMR |
$29,848
+7.2% YoY+1.1% QoQ
|
+$273 |
$29,575
+1.5% YoY
|
$13,536
+2.7% YoY
|
$20,028
-0.9% YoY
|
60% |
| CD Concentration |
30.0%
-3.3% YoY+0.3% QoQ
|
+0.9% | 29.1% | 15.1% | 20.0% | 55% |
| Indirect Auto % |
37.0%
-9.3% YoY+2.6% QoQ
|
+19.0% | 18.1% | 5.1% | 7.7% | Bottom 13.1% in tier |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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.
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)