BlastPoint's Credit Union Scorecard
BARKSDALE
Charter #9589 · LA
BARKSDALE 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
- + Total Members: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 4.8% in tier
- - Indirect Auto Dependency: Bottom 56.7% in tier
- - ROA 0.20% below tier average
- - Delinquency rate 1.05% above tier average
- - Total Delinquency Rate (60+ days): Bottom 5.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.0% in tier
- - Net Charge-Off Rate: Bottom 7.0% in tier
- - Net Worth Ratio: Bottom 10.0% in tier
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 +4.0% year over year ($2.23B in shares and deposits).
- Membership: 160,877 members, +0.8% vs a year ago.
- Delinquency rate 1.91%.
- Return on assets 0.62%.
- Efficiency ratio 72.96% vs a 73.02% peer average.
- Loan-to-share ratio 61.88% 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 |
160,877
+0.8% YoY-1.0% QoQ
|
+64.0K |
96,861
-1.9% YoY
|
9,550
+2.7% YoY
|
34,678
+6.6% YoY
|
Top 9.3% in tier |
| Assets |
$2.5B
+4.4% YoY+0.9% QoQ
|
+$737.5M |
$1.7B
+0.4% YoY
|
$130.2M
+7.1% YoY
|
$593.1M
+10.2% YoY
|
83% |
| Loans |
$1.4B
-0.6% YoY-0.1% QoQ
|
+$145.4M |
$1.2B
+0.7% YoY
|
$92.6M
+7.3% YoY
|
$418.6M
+10.1% YoY
|
68% |
| Deposits |
$2.2B
+4.0% YoY+0.7% QoQ
|
+$766.1M |
$1.5B
+0.5% YoY
|
$111.6M
+7.6% YoY
|
$504.8M
+10.3% YoY
|
Top 11.7% in tier |
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| ROA |
0.6%
+127.0% YoY+189.4% QoQ
|
-0.2% |
0.8%
+27.6% YoY
|
1.1%
+258.0% YoY
|
1.2%
+121.4% YoY
|
36% |
| NIM |
3.2%
+15.7% YoY+3.8% QoQ
|
-0.2% |
3.4%
+6.6% YoY
|
4.2%
-0.2% YoY
|
3.8%
+2.3% YoY
|
34% |
| Efficiency Ratio |
73.0%
-6.2% YoY-8.2% QoQ
|
-0.1% |
73.0%
-2.7% YoY
|
89.3%
+0.7% YoY
|
83.0%
-5.3% YoY
|
46% |
| Delinquency Rate |
1.9%
+41.8% YoY+12.1% QoQ
|
+1.1 |
0.9%
+7.3% YoY
|
2.0%
+21.9% YoY
|
1.3%
+2.6% YoY
|
Bottom 5.3% in tier |
| Loan To Share |
61.9%
-4.4% YoY-0.8% QoQ
|
-22.8% |
84.7%
+0.1% YoY
|
68.1%
-2.7% YoY
|
66.4%
-1.4% YoY
|
Bottom 10.0% in tier |
| AMR |
$22,434
+1.4% YoY+1.4% QoQ
|
$-7K |
$29,575
+1.5% YoY
|
$13,536
+2.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 15.0% in tier |
| CD Concentration |
31.1%
-1.0% YoY+0.6% QoQ
|
+2.0% | 29.1% | 15.1% | 20.0% | 60% |
| Indirect Auto % |
34.1%
-6.4% YoY-1.5% QoQ
|
+16.0% | 18.1% | 5.1% | 7.7% | 82% |
Signature Analysis
Strengths (0)
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)