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 0.91% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 2.30% below tier average
- - Efficiency Ratio 35.35% above tier average
- - Loan-to-Deposit Ratio 57.16% above tier average
- - Non-Interest-Bearing Deposit Share 21.76% below tier average
- - ROA 1.18% 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
|
+$30.0M |
$62.2M
-0.6% YoY
|
$784.8M
+7.0% YoY
|
$6.2B
+9.1% YoY
|
Top 10.2% in tier |
| Total Loans ? |
$77.2M
-3.8% YoY
+0.1% QoQ
|
+$43.0M |
$34.2M
-1.4% YoY
|
$523.7M
+4.0% YoY
|
$3.2B
+10.8% YoY
|
Top 2.0% in tier |
| Total Deposits ? |
$63.6M
-6.1% YoY
-2.1% QoQ
|
+$11.9M |
$51.7M
-0.7% YoY
|
$671.5M
+6.9% YoY
|
$4.8B
+8.2% YoY
|
64% |
| Return on Assets ? |
-0.34%
+41.1% YoY
+36.8% QoQ
|
-1.18% |
0.84%
-2.3% YoY
|
1.24%
+12.4% YoY
|
1.23%
+13.4% YoY
|
Bottom 11.3% in tier |
| Net Interest Margin ? |
1.56%
-11.8% YoY
-6.5% QoQ
|
-2.30% |
3.86%
+2.8% 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
|
+35.35% |
88.34%
+0.3% YoY
|
70.37%
-1.0% YoY
|
66.95%
-4.1% YoY
|
Bottom 7.2% in tier |
| Delinquency Rate ? |
0.46%
-2.8% YoY
-38.4% QoQ
|
-0.91% |
1.37%
+33.8% YoY
|
1.51%
+4.5% YoY
|
0.95%
+18.8% YoY
|
48% |
| Loan-to-Deposit Ratio ? |
121.38%
+2.4% YoY
+2.2% QoQ
|
+57.16% |
64.22%
-0.7% YoY
|
75.16%
-1.5% YoY
|
76.70%
+0.9% YoY
|
Bottom 2.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
1.95%
+25.2% YoY
-32.2% QoQ
|
-21.76% |
23.71%
+0.3% YoY
|
24.55%
-1.4% YoY
|
22.01%
-1.2% YoY
|
Bottom 7.9% in tier |
| Nonperforming Asset Ratio ? |
0.39%
-44.8% YoY
-38.7% QoQ
|
-0.40% |
0.79%
+28.2% YoY
|
1.07%
+4.2% YoY
|
0.67%
+19.3% YoY
|
43% |
| Tier 1 Capital Ratio ? |
40.11%
+2.8% YoY
+0.3% QoQ
|
+13.42% |
26.68%
+2.0% YoY
|
16.56%
+0.4% YoY
|
17.06%
+0.8% YoY
|
Top 10.0% in tier |
| Non-Interest Income / Assets ? |
0.10%
+28.0% YoY
-72.2% QoQ
|
-0.57% |
0.67%
+1.9% YoY
|
0.11%
-17.3% YoY
|
0.32%
+4.1% 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.