BlastPoint's Credit Union Scorecard
BARKSDALE
Charter #9589 · LA
BARKSDALE has 2 strengths but faces 7 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
- + Organic Growth Engine: Top 92.7% in tier
- + Total Members: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 19.0% in tier
- - Indirect Auto Dependency: Bottom 52.8% in tier
- - ROA 0.26% below tier average
- - Efficiency ratio 0.87% above tier (higher cost structure)
- - Delinquency rate 1.09% above tier average
- - Total Delinquency Rate (60+ days): Bottom 5.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
161,181
+2.6% YoY+0.3% QoQ
|
+63.7K |
97,431
-2.4% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
Top 8.3% in tier |
| Assets |
$2.4B
+3.8% YoY+1.1% QoQ
|
+$668.5M |
$1.7B
+0.9% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
82% |
| Loans |
$1.4B
+0.0% YoY-1.0% QoQ
|
+$141.0M |
$1.2B
+0.5% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
67% |
| Deposits |
$2.2B
+3.6% YoY+1.2% QoQ
|
+$708.9M |
$1.5B
+0.9% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
Top 11.6% in tier |
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| ROA |
0.4%
+1224.9% YoY-7.7% QoQ
|
-0.3% |
0.7%
+20.9% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
24% |
| NIM |
3.0%
+15.2% YoY+1.8% QoQ
|
-0.3% |
3.3%
+9.2% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
26% |
| Efficiency Ratio |
74.9%
-5.9% YoY-0.6% QoQ
|
+0.9% |
74.1%
-9.5% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
52% |
| Delinquency Rate |
2.0%
+19.3% YoY+27.7% QoQ
|
+1.1 |
0.9%
+6.2% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
Top 5.0% in tier |
| Loan To Share |
63.4%
-3.5% YoY-2.1% QoQ
|
-21.4% |
84.8%
-0.8% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
Bottom 10.3% in tier |
| AMR |
$21,985
-0.3% YoY+0.0% QoQ
|
$-7K |
$29,428
+2.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
Bottom 14.2% in tier |
| CD Concentration |
31.1%
-3.1% YoY-1.0% QoQ
|
+2.0% | 29.0% | 15.2% | 19.8% | 60% |
| Indirect Auto % |
35.1%
-6.5% YoY-2.1% QoQ
|
+16.7% | 18.3% | 5.0% | 7.8% | 84% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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)