BARKSDALE

Charter #9589 | LA

1B-3B (304 CUs) Mid-Market (380 CUs)
4 1B-3B in LA

BARKSDALE has 2 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 31.6% in tier
  • + Total Members: Top 8.6% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 17.5% in tier
  • - Indirect Auto Dependency: Bottom 20.8% in tier
  • - ROA 0.25% below tier average
  • - Efficiency ratio 1.42% above tier (higher cost structure)
  • - Delinquency rate 0.73% above tier average
  • - Loan-to-Member Ratio (LMR): Bottom 8.9% in tier
  • - Net Worth Ratio: Bottom 9.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Members 160,712
+2.7% YoY+0.7% QoQ
 +62.0K 98,678
-1.9% YoY
 9,352
+2.6% YoY
 33,089
+6.1% YoY
 Top 8.9% in tier
Assets $2.4B
-0.4% YoY+0.4% QoQ
 +$646.6M $1.7B
+0.5% YoY
 $121.4M
+4.9% YoY
 $547.7M
+7.8% YoY
 Top 19.4% in tier
Loans $1.4B
+0.4% YoY+0.1% QoQ
 +$155.9M $1.2B
+0.5% YoY
 $86.9M
+5.1% YoY
 $388.7M
+8.6% YoY
 67th in tier
Deposits $2.1B
+3.4% YoY-0.0% QoQ
 +$689.2M $1.5B
+1.3% YoY
 $103.9M
+6.5% YoY
 $464.6M
+9.3% YoY
 Top 13.2% in tier
ROA 0.5%
+177.8% YoY+67.0% QoQ
 -0.2% 0.7%
+13.4% YoY
 0.5%
+1.1% YoY
 0.7%
+273.4% YoY
 28th in tier
NIM 2.9%
+19.2% YoY+3.8% QoQ
 -0.4% 3.3%
+9.3% YoY
 4.3%
+3.2% YoY
 3.7%
+5.0% YoY
 Bottom 23.7% in tier
Efficiency Ratio 75.4%
-3.9% YoY-3.1% QoQ
 +1.4% 74.0%
-10.9% YoY
 82.9%
-3.6% YoY
 79.1%
-3.3% YoY
 55th in tier
Delinquency Rate 1.6%
+6.3% YoY+14.9% QoQ
 +0.7 0.8%
+6.1% YoY
 1.8%
-12.2% YoY
 1.2%
-0.9% YoY
 Top 10.5% in tier
Loan To Share 64.8%
-3.0% YoY+0.1% QoQ
 -20.4% 85.2%
-0.8% YoY
 70.9%
-2.6% YoY
 68.0%
-1.7% YoY
 Bottom 12.2% in tier
AMR $21,980
-0.5% YoY-0.7% QoQ
 $-7K $29,172
+2.8% YoY
 $13,297
+2.9% YoY
 $19,418
+1.3% YoY
 Bottom 13.8% in tier
CD Concentration 31.4%
-2.4% YoY+0.0% QoQ
 +2.4% 29.0%
+0.8% YoY
 15.0%
+9.1% YoY
 19.6%
+6.2% YoY
 63rd in tier
Indirect Auto % 35.8%
-4.7% YoY-1.7% QoQ
 +17.0% 18.8%
-2.8% YoY
 5.3%
+10.6% YoY
 7.9%
-2.9% YoY
 Top 16.1% in tier

Signature Analysis

Strengths (1)

Organic Growth Engine

growth
#230 of 246 • Top 31.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.67%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.46%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 35.82%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY

Concerns (2)

Credit Quality Pressure

risk
#135 of 217 • Bottom 17.5% in tier

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

Why This Signature
Delinquency Change (YoY): 0.09% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank worsening

Indirect Auto Dependency

risk
#129 of 202 • Bottom 20.8% in tier

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

Why This Signature
Asset Growth (YoY): -0.35%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 35.82%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 2.67%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank worsening

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)

Comparing against 304 peers in tier

Top Strengths (3 metrics)

27
Total Members
engagement
Value: 160,712
Peer Avg: 98,678
#27 of 304 Top 8.6% in 1B-3B tier
40
Total Deposits
balance_sheet
Value: $2.14B
Peer Avg: $1.45B
#40 of 304 Top 12.8% in 1B-3B tier
59
Total Assets
balance_sheet
Value: $2.37B
Peer Avg: $1.72B
#59 of 304 Top 19.1% in 1B-3B tier

Top Weaknesses (10 metrics)

278
Loan-to-Member Ratio (LMR)
engagement
Value: $8,643
Peer Avg: $13,213
#278 of 304 Bottom 8.9% in 1B-3B tier
275
Net Worth Ratio
risk
Value: 8.96%
Peer Avg: 11.44%
#275 of 304 Bottom 9.9% in 1B-3B tier
273
Total Delinquency Rate (60+ days)
risk
Value: 1.55%
Peer Avg: 0.83%
#273 of 304 Bottom 10.5% in 1B-3B tier
267
Loan-to-Share Ratio
balance_sheet
Value: 64.80%
Peer Avg: 85.19%
#267 of 304 Bottom 12.5% in 1B-3B tier
262
Average Member Relationship (AMR)
engagement
Value: $21,980
Peer Avg: $29,172
#262 of 304 Bottom 14.1% in 1B-3B tier
258
Indirect Auto Concentration (%)
balance_sheet
Value: 35.82%
Peer Avg: 18.32%
#258 of 304 Bottom 15.5% in 1B-3B tier
257
Net Charge-Off Rate
risk
Value: 1.00%
Peer Avg: 0.60%
#257 of 304 Bottom 15.8% in 1B-3B tier
251
Asset Growth Rate
growth
Value: -0.35%
Peer Avg: 4.83%
#251 of 304 Bottom 17.8% in 1B-3B tier
237
AMR Growth Rate
growth
Value: -0.47%
Peer Avg: 3.29%
#237 of 304 Bottom 22.4% in 1B-3B tier
232
Net Interest Margin (NIM)
profitability
Value: 2.91%
Peer Avg: 3.26%
#232 of 304 Bottom 24.0% in 1B-3B tier