BlastPoint's Credit Union Scorecard
PBA
Charter #11045 · AR
PBA has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.80% above tier average
- + Net Charge-Off Rate: Top 2.8% in tier
- + Loan-to-Share Ratio: Top 4.2% in tier
- + Net Worth Ratio: Top 5.6% in tier
Key Concerns
Areas that may need attention
- - ROA 1.30% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
967
+2.3% YoY+0.5% QoQ
|
-1.7K |
2,676
+1.6% YoY
|
7,947
+7.9% YoY
|
33,913
+5.7% YoY
|
27% |
| Assets |
$11.0M
-1.8% YoY-0.6% QoQ
|
$-19.2M |
$30.2M
+1.3% YoY
|
$111.4M
+12.6% YoY
|
$578.3M
+9.0% YoY
|
34% |
| Loans |
$7.3M
-2.4% YoY+2.1% QoQ
|
$-8.0M |
$15.3M
-2.0% YoY
|
$80.4M
+16.0% YoY
|
$402.4M
+8.7% YoY
|
43% |
| Deposits |
$7.5M
-2.6% YoY-1.0% QoQ
|
$-18.3M |
$25.8M
+0.7% YoY
|
$90.2M
+11.4% YoY
|
$494.3M
+9.1% YoY
|
30% |
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| ROA |
-1.2%
+40.3% YoY-668.6% QoQ
|
-1.3% |
0.1%
-77.6% YoY
|
-4.0%
+7873.5% YoY
|
0.4%
-39.2% YoY
|
Bottom 7.4% in tier |
| NIM |
4.8%
-8.9% YoY-7.5% QoQ
|
+0.8% |
4.0%
+4.0% YoY
|
4.1%
-8.1% YoY
|
3.8%
+4.1% YoY
|
Top 14.8% in tier |
| Efficiency Ratio |
72.9%
+10.4% YoY+3.5% QoQ
|
-17.7% |
90.6%
+6.5% YoY
|
125.8%
+36.6% YoY
|
84.6%
+2.8% YoY
|
30% |
| Delinquency Rate |
0.1%
-95.3% YoY-87.9% QoQ
|
-1.4 |
1.5%
+3.8% YoY
|
1.6%
+18.4% YoY
|
1.2%
+3.4% YoY
|
22% |
| Loan To Share |
96.8%
+0.2% YoY+3.1% QoQ
|
+38.2% |
58.5%
-3.0% YoY
|
70.8%
-3.6% YoY
|
65.6%
-1.4% YoY
|
Top 4.3% in tier |
| AMR |
$15,306
-4.7% YoY-0.0% QoQ
|
+$422 |
$14,884
-1.7% YoY
|
$12,879
+3.3% YoY
|
$19,920
+1.6% YoY
|
58% |
| CD Concentration |
29.7%
+37.8% YoY+14.9% QoQ
|
+5.4% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)