BlastPoint's Banking Scorecard
Eureka Homestead
Designations: ✓ Community bank
Metairie, LA
Eureka Homestead has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.90% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 2.31% below tier average
- - Efficiency Ratio 36.07% above tier average
- - Loan-to-Deposit Ratio 57.27% above tier average
- - Non-Interest-Bearing Deposit Share 21.84% below tier average
- - ROA 1.19% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$92.1M
-4.8% YoY
+0.6% QoQ
|
+$29.8M |
$62.3M
-0.5% YoY
|
$784.8M
+7.0% YoY
|
$6.2B
+9.0% YoY
|
Top 10.2% in tier |
| Total Loans ? |
$77.2M
-3.8% YoY
+0.1% QoQ
|
+$43.0M |
$34.3M
-1.5% YoY
|
$523.7M
+4.0% YoY
|
$3.2B
+10.7% YoY
|
Top 2.0% in tier |
| Total Deposits ? |
$63.6M
-6.1% YoY
-2.1% QoQ
|
+$11.8M |
$51.8M
-0.6% YoY
|
$671.5M
+6.9% YoY
|
$4.8B
+8.0% YoY
|
64% |
| Return on Assets ? |
-0.34%
+41.1% YoY
+36.8% QoQ
|
-1.19% |
0.86%
-3.6% YoY
|
1.24%
+12.4% YoY
|
1.24%
+13.1% YoY
|
Bottom 11.0% in tier |
| Net Interest Margin ? |
1.56%
-11.8% YoY
-6.5% QoQ
|
-2.31% |
3.87%
+2.7% YoY
|
4.12%
+1.2% YoY
|
3.89%
+5.7% YoY
|
Bottom 1.5% in tier |
| Efficiency Ratio ? |
123.70%
-2.3% YoY
-4.4% QoQ
|
+36.07% |
87.63%
+2.3% YoY
|
70.37%
-1.0% YoY
|
66.84%
-3.8% YoY
|
Bottom 6.7% in tier |
| Delinquency Rate ? |
0.46%
-2.8% YoY
-38.4% QoQ
|
-0.90% |
1.36%
+33.7% YoY
|
1.51%
+4.5% YoY
|
0.95%
+18.8% YoY
|
48% |
| Loan-to-Deposit Ratio ? |
121.38%
+2.4% YoY
+2.2% QoQ
|
+57.27% |
64.11%
-0.9% YoY
|
75.16%
-1.5% YoY
|
76.69%
+0.9% YoY
|
Bottom 2.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
1.95%
+25.2% YoY
-32.2% QoQ
|
-21.84% |
23.79%
+0.5% YoY
|
24.55%
-1.4% YoY
|
22.01%
-1.1% YoY
|
Bottom 7.6% in tier |
| Nonperforming Asset Ratio ? |
0.39%
-44.8% YoY
-38.7% QoQ
|
-0.38% |
0.77%
+28.7% YoY
|
1.07%
+4.2% YoY
|
0.66%
+19.3% YoY
|
43% |
| Tier 1 Capital Ratio ? |
40.11%
+2.8% YoY
+0.3% QoQ
|
+13.33% |
26.77%
+2.0% YoY
|
16.56%
+0.4% YoY
|
17.06%
+0.8% YoY
|
Top 10.1% in tier |
| Non-Interest Income / Assets ? |
0.10%
+28.0% YoY
-72.2% QoQ
|
-0.57% |
0.67%
+1.6% YoY
|
0.11%
-17.3% YoY
|
0.32%
+4.0% YoY
|
69% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.