BlastPoint's Credit Union Scorecard
NEIGHBORS
Charter #9229 · LA
NEIGHBORS has 2 strengths but faces 11 concerns
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How does LA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.06% above tier average
- + First Mortgage Concentration (%): Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 14.3% in tier
- - Credit Quality Pressure: Bottom 21.6% in tier
- - Liquidity Strain: Bottom 24.0% in tier
- - Credit Risk Growth: Bottom 27.9% in tier
- - Stagnation Risk: Bottom 29.3% in tier
- - Membership Headwinds: Bottom 31.4% in tier
- - ROA 0.24% below tier average
- - Efficiency ratio 3.45% above tier (higher cost structure)
- - Delinquency rate 0.76% above tier average
- - Net Charge-Off Rate: Bottom 6.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
81,621
-0.7% YoY-0.2% QoQ
|
-17.1K |
98,678
-1.9% YoY
|
9,352
+2.6% YoY
|
33,089
+6.1% YoY
|
42% |
| Assets |
$1.3B
-1.1% YoY-0.1% QoQ
|
$-386.3M |
$1.7B
+0.5% YoY
|
$121.4M
+4.9% YoY
|
$547.7M
+7.8% YoY
|
32% |
| Loans |
$1.1B
+1.8% YoY+2.0% QoQ
|
$-112.2M |
$1.2B
+0.5% YoY
|
$86.9M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
51% |
| Deposits |
$1.2B
-0.1% YoY-0.3% QoQ
|
$-278.9M |
$1.5B
+1.3% YoY
|
$103.9M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
40% |
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| ROA |
0.5%
-254.1% YoY+38.2% QoQ
|
-0.2% |
0.7%
+13.4% YoY
|
0.5%
+1.1% YoY
|
0.7%
+273.4% YoY
|
30% |
| NIM |
3.3%
+7.5% YoY+2.8% QoQ
|
+0.1% |
3.3%
+9.3% YoY
|
4.3%
+3.2% YoY
|
3.7%
+5.0% YoY
|
53% |
| Efficiency Ratio |
77.4%
-7.5% YoY-2.5% QoQ
|
+3.5% |
74.0%
-10.9% YoY
|
82.9%
-3.6% YoY
|
79.1%
-3.3% YoY
|
62% |
| Delinquency Rate |
1.6%
+3.2% YoY-4.4% QoQ
|
+0.8 |
0.8%
+6.1% YoY
|
1.8%
-12.2% YoY
|
1.2%
-0.9% YoY
|
Top 9.2% in tier |
| Loan To Share |
95.4%
+1.9% YoY+2.3% QoQ
|
+10.2% |
85.2%
-0.8% YoY
|
70.9%
-2.6% YoY
|
68.0%
-1.7% YoY
|
76% |
| AMR |
$28,134
+1.5% YoY+1.1% QoQ
|
$-1K |
$29,172
+2.8% YoY
|
$13,297
+2.9% YoY
|
$19,418
+1.3% YoY
|
56% |
| CD Concentration |
31.4%
+5.6% YoY+1.5% QoQ
|
+2.5% |
29.0%
+0.7% YoY
|
15.0%
+9.1% YoY
|
19.6%
+6.2% YoY
|
64% |
| Indirect Auto % |
40.3%
+2.1% YoY-1.2% QoQ
|
+21.6% |
18.8%
-3.0% YoY
|
5.3%
+10.6% YoY
|
7.9%
-2.9% YoY
|
Top 11.6% in tier |
Signature Analysis
Strengths (0)
Concerns (6)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Stagnation Risk
riskMembership declining year-over-year. Shrinking 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)