BlastPoint's Credit Union Scorecard
ARKANSAS
Charter #10920 · AR
ARKANSAS has 6 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
- + ROA 0.51% above tier average
- + Net Interest Margin 0.27% above tier average
- + Strong member growth: 8.3% YoY
- + Loan-to-Share Ratio: Top 2.6% in tier
- + Efficiency Ratio: Top 9.1% in tier
- + Loan Growth Rate: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 1.6% in tier
- - Indirect Auto Dependency: Bottom 8.9% in tier
- - Total Deposits: Bottom 3.9% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 77 credit unions with $3B-$5B in assets nationally, and 1 of 1 that size in Arkansas.
- Shares and deposits +8.6% year over year ($2.48B in shares and deposits).
- Membership: 181,808 members, +8.3% vs a year ago.
- Delinquency rate 0.71%.
- Return on assets 1.44%.
- Efficiency ratio 58.61% vs a 69.45% peer average.
- Loan-to-share ratio 111.74% vs a 90.24% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
181,808
+8.3% YoY+2.9% QoQ
|
-34.7K |
216,545
-9.5% YoY
|
8,161
+10.4% YoY
|
34,678
+6.6% YoY
|
32% |
| Assets |
$3.2B
+13.9% YoY+3.5% QoQ
|
$-741.8M |
$3.9B
-1.6% YoY
|
$115.8M
+17.0% YoY
|
$593.1M
+10.2% YoY
|
Bottom 13.0% in tier |
| Loans |
$2.8B
+16.3% YoY+3.5% QoQ
|
$-158.4M |
$2.9B
-1.2% YoY
|
$84.2M
+19.9% YoY
|
$418.6M
+10.1% YoY
|
42% |
| Deposits |
$2.5B
+8.6% YoY+2.9% QoQ
|
$-775.8M |
$3.3B
-2.6% YoY
|
$93.4M
+13.5% YoY
|
$504.8M
+10.3% YoY
|
Bottom 2.6% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.4%
+39.2% YoY+17.6% QoQ
|
+0.5% |
0.9%
+25.3% YoY
|
1.6%
+705.7% YoY
|
1.2%
+121.4% YoY
|
Top 14.3% in tier |
| NIM |
3.5%
+5.4% YoY+0.4% QoQ
|
+0.3% |
3.2%
+3.8% YoY
|
4.1%
-5.5% YoY
|
3.8%
+2.3% YoY
|
65% |
| Efficiency Ratio |
58.6%
-2.9% YoY-3.5% QoQ
|
-10.8% |
69.5%
-2.3% YoY
|
86.5%
+3.6% YoY
|
83.0%
-5.3% YoY
|
Top 9.1% in tier |
| Delinquency Rate |
0.7%
-1.9% YoY-2.3% QoQ
|
-0.1 |
0.8%
+5.5% YoY
|
1.9%
+36.9% YoY
|
1.3%
+2.6% YoY
|
58% |
| Loan To Share |
111.7%
+7.1% YoY+0.5% QoQ
|
+21.5% |
90.2%
+0.9% YoY
|
71.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
Top 3.9% in tier |
| AMR |
$28,900
+3.9% YoY+0.4% QoQ
|
$-2K |
$31,018
+6.9% YoY
|
$12,982
+3.9% YoY
|
$20,028
-0.9% YoY
|
51% |
| CD Concentration |
39.6%
+6.0% YoY+3.6% QoQ
|
+10.5% | 29.1% | 15.4% | 20.0% | Top 11.5% in tier |
| Indirect Auto % |
37.2%
-6.0% YoY-0.9% QoQ
|
+19.1% | 18.1% | 2.2% | 7.7% | Bottom 12.8% in tier |
Signature Analysis
Strengths (0)
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)