BlastPoint's Credit Union Scorecard
ARKANSAS
Charter #10920 · AR
ARKANSAS has 11 strengths but faces 3 concerns
How does the industry compare?
What's your peer group doing?
How does AR stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 11.8% in tier
- + Wallet Share Momentum: Top 96.7% in tier
- + ROA 0.50% above tier average
- + Net Interest Margin 0.04% above tier average
- + Strong member growth: 7.0% YoY
- + Total Loans: Top 0.0% in tier
- + Total Assets: Top 1.3% in tier
- + Loan-to-Share Ratio: Top 1.7% in tier
- + Total Deposits: Top 4.0% in tier
- + Total Members: Top 5.0% in tier
- + Efficiency Ratio: Top 6.0% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 0.6% in tier
- - Indirect Auto Dependency: Bottom 24.6% in tier
- - Share Certificate Concentration (%): Bottom 8.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
172,336
+7.0% YoY+0.4% QoQ
|
+74.9K |
97,431
-2.4% YoY
|
7,878
+8.0% YoY
|
33,374
+5.7% YoY
|
Top 5.3% in tier |
| Assets |
$3.0B
+9.3% YoY+4.3% QoQ
|
+$1.2B |
$1.7B
+0.9% YoY
|
$108.7M
+13.0% YoY
|
$561.6M
+9.7% YoY
|
Top 1.7% in tier |
| Loans |
$2.6B
+12.7% YoY+4.9% QoQ
|
+$1.3B |
$1.2B
+0.5% YoY
|
$78.6M
+14.7% YoY
|
$397.0M
+8.8% YoY
|
Top 0.3% in tier |
| Deposits |
$2.4B
+12.4% YoY+1.6% QoQ
|
+$919.7M |
$1.5B
+0.9% YoY
|
$88.8M
+14.2% YoY
|
$477.3M
+9.7% YoY
|
Top 4.3% in tier |
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| ROA |
1.2%
+44.1% YoY+3.9% QoQ
|
+0.5% |
0.7%
+20.9% YoY
|
-0.1%
-109.5% YoY
|
0.7%
+15.9% YoY
|
Top 12.9% in tier |
| NIM |
3.3%
+12.0% YoY-1.4% QoQ
|
+0.0% |
3.3%
+9.2% YoY
|
4.2%
+0.9% YoY
|
3.8%
+5.1% YoY
|
52% |
| Efficiency Ratio |
59.8%
-7.2% YoY-0.9% QoQ
|
-14.3% |
74.1%
-9.5% YoY
|
86.1%
+2.0% YoY
|
79.7%
-3.3% YoY
|
Bottom 6.0% in tier |
| Delinquency Rate |
0.8%
-18.2% YoY+11.4% QoQ
|
-0.1 |
0.9%
+6.2% YoY
|
1.8%
+15.7% YoY
|
1.3%
-2.1% YoY
|
55% |
| Loan To Share |
108.5%
+0.2% YoY+3.3% QoQ
|
+23.7% |
84.8%
-0.8% YoY
|
73.6%
-2.9% YoY
|
67.4%
-1.7% YoY
|
Top 2.0% in tier |
| AMR |
$28,781
+5.1% YoY+2.9% QoQ
|
$-647 |
$29,428
+2.4% YoY
|
$12,676
+2.7% YoY
|
$19,687
+2.0% YoY
|
57% |
| CD Concentration |
41.0%
+20.1% YoY+2.4% QoQ
|
+12.0% | 29.0% | 15.6% | 19.8% | Top 10.1% in tier |
| Indirect Auto % |
37.0%
-9.1% YoY-5.1% QoQ
|
+18.7% | 18.3% | 2.5% | 7.8% | Top 13.6% in tier |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)