BlastPoint's Banking Scorecard
Eureka Homestead
Micro
Specialty: Mortgage
LA
FDIC cert 29268
Designations: ✓ Community bank
Metairie, LA
2498
banks in Micro tier nationally
66 in LA
View Micro leaderboard (LA) →
Eureka Homestead has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 31.12% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.62% below tier
- - Net Interest Margin 2.18% below tier
- - Efficiency Ratio 61.72% above tier
- - Loan-to-Deposit Ratio 44.19% above tier
- - Non-Interest-Bearing Deposit Share 19.52% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$91.6M
-7.4% YoY
-2.1% QoQ
|
-$125.9M |
$217.5M
+2.3% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
20% |
| Total Loans ? |
$77.2M
-5.8% YoY
-1.6% QoQ
|
-$62.0M |
$139.2M
+2.8% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
32% |
| Total Deposits ? |
$65.0M
-8.2% YoY
-2.7% QoQ
|
-$118.6M |
$183.7M
+1.8% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
15% |
| Return on Assets ? |
-0.54%
-978.6% YoY
+8.6% QoQ
|
-1.62% |
1.08%
+14.7% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 4% in tier |
| Net Interest Margin ? |
1.67%
-17.5% YoY
-1.6% QoQ
|
-2.18% |
3.85%
+6.6% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
Bottom 1% in tier |
| Efficiency Ratio ? |
129.45%
+33.2% YoY
-0.6% QoQ
|
+61.72% |
67.73%
-4.8% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 1% in tier |
| Delinquency Rate ? |
0.75%
-6.6% YoY
+54.0% QoQ
|
+0.11% |
0.64%
+24.4% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
36% |
| Loan-to-Deposit Ratio ? |
118.71%
+2.5% YoY
+1.1% QoQ
|
+44.19% |
74.53%
+0.5% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
2.88%
+31.0% YoY
-6.7% QoQ
|
-19.52% |
22.39%
-1.3% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
Bottom 4% in tier |
| Nonperforming Asset Ratio ? |
0.64%
-5.1% YoY
+54.8% QoQ
|
+0.18% |
0.45%
+25.1% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
31% |
| Tier 1 Capital Ratio ? |
39.98%
+3.8% YoY
+1.5% QoQ
|
+31.12% |
8.85%
-3.4% YoY
|
8.68%
-5.6% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
0.35%
-17.5% YoY
+24.0% QoQ
|
-0.21% |
0.56%
+0.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
48% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
39.98%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (5)
Return on Assets
metric
Bottom 4%
in Micro
Why this stands out
Current:
-0.54%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 1%
in Micro
Why this stands out
Current:
1.67%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
129.45%
(Tier avg: 67.73%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
118.71%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 4%
in Micro
Why this stands out
Current:
2.88%
(Tier avg: 22.39%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Tier 1 Capital Ratio
Current: 39.98% · Tier avg: 8.85%
48
48th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.56%
36
36th pctile
Delinquency Rate
Current: 0.75% · Tier avg: 0.64%
32
32th pctile
Total Loans
Current: $77.2M · Tier avg: $139.2M
31
31th pctile
Nonperforming Asset Ratio
Current: 0.64% · Tier avg: 0.45%
20
20th pctile
Total Assets
Current: $91.6M · Tier avg: $217.5M
15
15th pctile
Total Deposits
Current: $65.0M · Tier avg: $183.7M
4
4th pctile
Return on Assets
Current: -0.54% · Tier avg: 1.08%
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 2.88% · Tier avg: 22.39%
1
1th pctile
Loan-to-Deposit Ratio
Current: 118.71% · Tier avg: 74.53%
1
1th pctile
Efficiency Ratio
Current: 129.45% · Tier avg: 67.73%
1
1th pctile
Net Interest Margin
Current: 1.67% · Tier avg: 3.85%
Top Weaknesses
1
1th pctile
Net Interest Margin
Current: 1.67% · Tier avg: 3.85%
1
1th pctile
Efficiency Ratio
Current: 129.45% · Tier avg: 67.73%
1
1th pctile
Loan-to-Deposit Ratio
Current: 118.71% · Tier avg: 74.53%
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 2.88% · Tier avg: 22.39%
4
4th pctile
Return on Assets
Current: -0.54% · Tier avg: 1.08%
15
15th pctile
Total Deposits
Current: $65.0M · Tier avg: $183.7M
20
20th pctile
Total Assets
Current: $91.6M · Tier avg: $217.5M
31
31th pctile
Nonperforming Asset Ratio
Current: 0.64% · Tier avg: 0.45%
32
32th pctile
Total Loans
Current: $77.2M · Tier avg: $139.2M
36
36th pctile
Delinquency Rate
Current: 0.75% · Tier avg: 0.64%
48
48th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.56%
99
99th pctile
Tier 1 Capital Ratio
Current: 39.98% · Tier avg: 8.85%