BlastPoint's Credit Union Scorecard
ARKANSAS
Charter #10920 · AR
ARKANSAS has 5 strengths but faces 4 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 0.50% above tier average
- + Net Interest Margin 0.29% above tier average
- + Strong member growth: 7.4% YoY
- + Loan-to-Share Ratio: Top 1.3% in tier
- + Loan Growth Rate: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 1.6% in tier
- - Indirect Auto Dependency: Bottom 17.6% in tier
- - Total Deposits: Bottom 2.6% in tier
- - Total Assets: Bottom 3.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
176,734
+7.4% YoY+2.6% QoQ
|
-43.7K |
220,435
-7.6% YoY
|
7,947
+7.9% YoY
|
33,913
+5.7% YoY
|
26% |
| Assets |
$3.1B
+9.6% YoY+3.2% QoQ
|
$-861.1M |
$3.9B
-1.5% YoY
|
$111.4M
+12.6% YoY
|
$578.3M
+9.0% YoY
|
Bottom 2.6% in tier |
| Loans |
$2.7B
+14.4% YoY+3.8% QoQ
|
$-214.1M |
$2.9B
-1.1% YoY
|
$80.4M
+16.0% YoY
|
$402.4M
+8.7% YoY
|
33% |
| Deposits |
$2.4B
+8.4% YoY+1.3% QoQ
|
$-887.2M |
$3.3B
-2.5% YoY
|
$90.2M
+11.4% YoY
|
$494.3M
+9.1% YoY
|
Bottom 1.3% in tier |
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| ROA |
1.2%
+32.5% YoY+3.7% QoQ
|
+0.5% |
0.7%
+10.6% YoY
|
-4.0%
+7873.5% YoY
|
0.4%
-39.2% YoY
|
81% |
| NIM |
3.5%
+6.2% YoY+5.4% QoQ
|
+0.3% |
3.2%
+4.6% YoY
|
4.1%
-8.1% YoY
|
3.8%
+4.1% YoY
|
67% |
| Efficiency Ratio |
60.7%
-0.8% YoY+1.6% QoQ
|
-10.5% |
71.3%
-2.6% YoY
|
125.8%
+36.6% YoY
|
84.6%
+2.8% YoY
|
Top 10.3% in tier |
| Delinquency Rate |
0.7%
-22.4% YoY-10.6% QoQ
|
+0.0 |
0.7%
+9.2% YoY
|
1.6%
+18.4% YoY
|
1.2%
+3.4% YoY
|
64% |
| Loan To Share |
111.1%
+5.5% YoY+2.4% QoQ
|
+23.1% |
88.0%
+0.9% YoY
|
70.8%
-3.6% YoY
|
65.6%
-1.4% YoY
|
Top 2.6% in tier |
| AMR |
$28,798
+3.8% YoY+0.1% QoQ
|
$-2K |
$30,672
+5.5% YoY
|
$12,879
+3.3% YoY
|
$19,920
+1.6% YoY
|
49% |
| CD Concentration |
38.2%
+10.1% YoY-6.9% QoQ
|
+9.4% | 28.8% | 15.4% | 19.8% | Top 12.8% in tier |
| Indirect Auto % |
37.5%
-7.6% YoY+1.4% QoQ
|
+19.4% | 18.1% | 2.4% | 7.7% | Bottom 13.1% 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)