BlastPoint's Credit Union Scorecard

BOSSIER

Charter #9300 · LA

1077 CUs in 100M-500M nationally 22 in LA

BOSSIER has 4 strengths but faces 12 concerns

National Analysis

How does the industry compare?

LA Analysis

How does LA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Profitability Leader: Top 96.8% in tier
+ ROA 0.34% above tier average
+ Net Interest Margin 0.03% above tier average
+ Total Members: Top 8.4% in tier

Key Concerns

Areas that may need attention

- Institutional Decline: Bottom 10.9% in tier
- Stagnation Risk: Bottom 14.5% in tier
- Indirect Auto Dependency: Bottom 14.9% in tier
- Membership Headwinds: Bottom 16.6% in tier
- Credit Quality Pressure: Bottom 27.5% in tier
- Delinquency rate 1.02% above tier average
- Member decline: -2.5% YoY
- Average Member Relationship (AMR): Bottom 2.5% in tier
- Loan-to-Member Ratio (LMR): Bottom 4.3% in tier
- Loan Growth Rate: Bottom 5.8% in tier
- Total Delinquency Rate (60+ days): Bottom 8.4% in tier
- Indirect Auto Concentration (%): Bottom 9.7% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Members	28,766 -2.5% YoY-0.4% QoQ	+13.1K	15,628 -3.4% YoY	9,352 +2.6% YoY	33,089 +6.1% YoY	Top 8.4% in tier
Assets	$242.1M -0.6% YoY+0.1% QoQ	+$10.8M	$231.3M -0.0% YoY	$121.4M +4.9% YoY	$547.7M +7.8% YoY	62%
Loans	$132.8M -8.0% YoY-1.4% QoQ	$-15.0M	$147.8M -1.4% YoY	$86.9M +5.1% YoY	$388.7M +8.6% YoY	54%
Deposits	$214.6M +2.6% YoY-0.2% QoQ	+$14.3M	$200.3M -0.0% YoY	$103.9M +6.5% YoY	$464.6M +9.3% YoY	62%

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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	1.1% -1698.8% YoY-23.4% QoQ	+0.3%	0.8% +15.5% YoY	0.5% +1.1% YoY	0.7% +273.4% YoY	74%
NIM	3.6% +13.0% YoY+2.3% QoQ	+0.0%	3.6% +6.9% YoY	4.3% +3.2% YoY	3.7% +5.0% YoY	52%
Efficiency Ratio	72.9% -18.1% YoY+5.5% QoQ	-4.3%	77.3% -3.0% YoY	82.9% -3.6% YoY	79.1% -3.3% YoY	34%
Delinquency Rate	1.9% +1.1% YoY+8.3% QoQ	+1.0	0.9% +7.6% YoY	1.8% -12.2% YoY	1.2% -0.9% YoY	Top 8.4% in tier
Loan To Share	61.9% -10.3% YoY-1.1% QoQ	-10.8%	72.7% -1.5% YoY	70.9% -2.6% YoY	68.0% -1.7% YoY	25%
AMR	$12,076 +0.8% YoY-0.2% QoQ	$-12K	$24,363 +2.9% YoY	$13,297 +2.9% YoY	$19,418 +1.3% YoY	Bottom 2.4% in tier
CD Concentration	15.9% +1.6% YoY+2.8% QoQ	-8.5%	24.4% +4.2% YoY	15.0% +9.1% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	38.1% -7.5% YoY-2.3% QoQ	+24.2%	14.0% -5.7% YoY	5.3% +10.6% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Profitability Leader

growth

#329 of 340 • Top 96.8% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.13%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 1.20% points

(Tier: 0.11% points, National: 0.05% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Concerns (5)

Institutional Decline

decline

#87 of 256 • Bottom 10.9% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $242.09M

(Tier: $331.87M, National: $547.69M)

worse than tier avg

Member Growth (YoY): -2.52%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -7.95%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 1077 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | Rank improving

Stagnation Risk

risk

#239 of 550 • Bottom 14.5% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.52%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -7.95%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 1.88%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#241 of 525 • Bottom 14.9% in tier

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

Why This Signature

Asset Growth (YoY): -0.63%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 38.14%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -2.52%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

Membership Headwinds

decline

#274 of 550 • Bottom 16.6% in tier

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

Why This Signature

Member Growth (YoY): -2.52%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Credit Quality Pressure

risk

#682 of 736 • Bottom 27.5% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.02% points

(Tier: 0.04% points, National: 0.07% points)

but better than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | 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 1077 peers in tier

Top Strengths (3 metrics)

Total Members

engagement

Value: 28,766

Peer Avg: -

#91 of 1077 Top 8.4% in 100M-500M tier

153

Fee Income Per Member

profitability

Value: $247.31

Peer Avg: -

#153 of 1077 Top 14.1% in 100M-500M tier

187

Members Per Employee (MPE)

engagement

Value: 410.943

Peer Avg: -

#187 of 1077 Top 17.3% in 100M-500M tier

Top Weaknesses (9 metrics)

1051

Average Member Relationship (AMR)

engagement

Value: $12,076

Peer Avg: -

#1051 of 1077 Bottom 2.5% in 100M-500M tier

1032

Loan-to-Member Ratio (LMR)

engagement

Value: $4,616

Peer Avg: -

#1032 of 1077 Bottom 4.3% in 100M-500M tier

1015

Loan Growth Rate

growth

Value: -7.95%

Peer Avg: -

#1015 of 1077 Bottom 5.8% in 100M-500M tier

987

Total Delinquency Rate (60+ days)

risk

Value: 1.88%

Peer Avg: -

#987 of 1077 Bottom 8.4% in 100M-500M tier

973

Indirect Auto Concentration (%)

balance_sheet

Value: 38.14%

Peer Avg: -

#973 of 1077 Bottom 9.7% in 100M-500M tier

946

Net Charge-Off Rate

risk

Value: 0.89%

Peer Avg: -

#946 of 1077 Bottom 12.3% in 100M-500M tier

909

Asset Growth Rate

growth

Value: -0.63%

Peer Avg: -

#909 of 1077 Bottom 15.7% in 100M-500M tier

846

Member Growth Rate

growth

Value: -2.52%

Peer Avg: -

#846 of 1077 Bottom 21.5% in 100M-500M tier

809

Loan-to-Share Ratio

balance_sheet

Value: 61.87%

Peer Avg: -

#809 of 1077 Bottom 25.0% in 100M-500M tier