BlastPoint's Credit Union Scorecard
BARKSDALE
Charter #9589 · LA
BARKSDALE has 1 strength but faces 8 concerns
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How does LA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Total Members: Top 7.8% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 29.5% in tier
- - Indirect Auto Dependency: Bottom 65.3% in tier
- - Credit Risk Growth: Bottom 78.4% in tier
- - ROA 0.50% below tier average
- - Efficiency ratio 4.83% above tier (higher cost structure)
- - Delinquency rate 0.95% above tier average
- - Total Delinquency Rate (60+ days): Bottom 4.6% in tier
- - Net Charge-Off Rate: Bottom 6.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
162,527
+2.7% YoY+0.8% QoQ
|
+66.5K |
96,048
-2.7% YoY
|
9,512
+2.6% YoY
|
33,913
+5.7% YoY
|
Top 8.2% in tier |
| Assets |
$2.4B
+3.6% YoY+2.0% QoQ
|
+$720.7M |
$1.7B
+0.4% YoY
|
$128.1M
+5.9% YoY
|
$578.3M
+9.0% YoY
|
83% |
| Loans |
$1.4B
+0.7% YoY+0.4% QoQ
|
+$167.1M |
$1.2B
+0.2% YoY
|
$89.6M
+5.7% YoY
|
$402.4M
+8.7% YoY
|
69% |
| Deposits |
$2.2B
+3.7% YoY+2.1% QoQ
|
+$748.6M |
$1.5B
+0.5% YoY
|
$109.6M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
Top 11.8% in tier |
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| ROA |
0.2%
-49.1% QoQ
|
-0.5% |
0.7%
+27.6% YoY
|
0.1%
-79.1% YoY
|
0.4%
-39.2% YoY
|
Bottom 10.5% in tier |
| NIM |
3.1%
+12.9% YoY+5.5% QoQ
|
-0.2% |
3.4%
+6.2% YoY
|
4.2%
-0.4% YoY
|
3.8%
+4.1% YoY
|
32% |
| Efficiency Ratio |
79.5%
-3.6% YoY+6.0% QoQ
|
+4.8% |
74.6%
-3.0% YoY
|
88.0%
+2.9% YoY
|
84.6%
+2.8% YoY
|
69% |
| Delinquency Rate |
1.7%
+7.3% YoY-13.8% QoQ
|
+1.0 |
0.8%
+6.9% YoY
|
1.7%
-21.7% YoY
|
1.2%
+3.4% YoY
|
Bottom 4.6% in tier |
| Loan To Share |
62.4%
-2.9% YoY-1.7% QoQ
|
-20.8% |
83.2%
-0.4% YoY
|
68.2%
-2.4% YoY
|
65.6%
-1.4% YoY
|
Bottom 10.1% in tier |
| AMR |
$22,119
-0.2% YoY+0.6% QoQ
|
$-8K |
$29,652
+2.3% YoY
|
$13,483
+2.5% YoY
|
$19,920
+1.6% YoY
|
Bottom 14.4% in tier |
| CD Concentration |
30.9%
-1.6% YoY-0.6% QoQ
|
+2.0% | 28.8% | 14.9% | 19.8% | 61% |
| Indirect Auto % |
34.6%
-6.9% YoY-1.2% QoQ
|
+16.5% | 18.1% | 5.1% | 7.7% | 83% |
Signature Analysis
Strengths (0)
Concerns (3)
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.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)