BlastPoint's Credit Union Scorecard
BAYOU
Charter #9931 · LA
BAYOU has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.20% above tier average
- + Total Loans: Top 2.9% in tier
- + Total Members: Top 4.3% in tier
- + Total Assets: Top 6.8% in tier
- + Total Deposits: Top 7.3% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Concentration (%): Bottom 1.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,687
-1.7% YoY-1.0% QoQ
|
+5.1K |
2,615
-1.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
Top 4.3% in tier |
| Assets |
$82.1M
+1.1% YoY-0.4% QoQ
|
+$51.9M |
$30.1M
+2.1% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
Top 6.8% in tier |
| Loans |
$57.3M
+0.4% YoY+0.2% QoQ
|
+$41.5M |
$15.8M
-1.3% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
Top 2.9% in tier |
| Deposits |
$68.9M
-0.1% YoY-1.2% QoQ
|
+$43.3M |
$25.7M
+1.4% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
Top 7.4% in tier |
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| ROA |
0.8%
+106.8% YoY+40.9% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
58% |
| NIM |
3.2%
-3.7% YoY+1.4% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
23% |
| Efficiency Ratio |
77.3%
-11.9% YoY-4.2% QoQ
|
-5.2% |
82.6%
-2.3% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
45% |
| Delinquency Rate |
0.3%
-30.0% YoY+92.8% QoQ
|
-1.2 |
1.6%
-3.1% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
33% |
| Loan To Share |
83.1%
+0.5% YoY+1.4% QoQ
|
+22.5% |
60.6%
-3.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
83% |
| AMR |
$16,421
+1.8% YoY+0.5% QoQ
|
+$2K |
$14,783
-1.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
64% |
| CD Concentration |
25.0%
+7.1% YoY+0.9% QoQ
|
+0.5% | 24.4% | 15.2% | 19.8% | 50% |
| Indirect Auto % |
53.7%
-2.3% YoY-2.6% QoQ
|
+39.9% | 13.8% | 5.0% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)