BlastPoint's Credit Union Scorecard
PBA
Charter #11045 · AR
PBA has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.24% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 5.8% in tier
- + Loan-to-Share Ratio: Top 7.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.42% below tier average
- - Net Charge-Off Rate: Bottom 3.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
962
+2.6% YoY+1.2% QoQ
|
-1.7K |
2,615
-1.9% YoY
|
7,878
+8.0% YoY
|
33,374
+5.7% YoY
|
27% |
| Assets |
$11.0M
-3.7% YoY+3.2% QoQ
|
$-19.1M |
$30.1M
+2.1% YoY
|
$108.7M
+13.0% YoY
|
$561.6M
+9.7% YoY
|
34% |
| Loans |
$7.1M
-5.5% YoY-1.4% QoQ
|
$-8.6M |
$15.8M
-1.3% YoY
|
$78.6M
+14.7% YoY
|
$397.0M
+8.8% YoY
|
42% |
| Deposits |
$7.6M
-3.6% YoY+5.3% QoQ
|
$-18.1M |
$25.7M
+1.4% YoY
|
$88.8M
+14.2% YoY
|
$477.3M
+9.7% YoY
|
30% |
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| ROA |
0.2%
-8.8% YoY+65.9% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
-0.1%
-109.5% YoY
|
0.7%
+15.9% YoY
|
26% |
| NIM |
5.2%
+11.6% YoY-4.0% QoQ
|
+1.2% |
4.0%
+4.0% YoY
|
4.2%
+0.9% YoY
|
3.8%
+5.1% YoY
|
Top 10.6% in tier |
| Efficiency Ratio |
70.4%
-4.7% YoY+2.8% QoQ
|
-12.1% |
82.6%
-2.3% YoY
|
86.1%
+2.0% YoY
|
79.7%
-3.3% YoY
|
28% |
| Delinquency Rate |
0.8%
-37.7% YoY-33.1% QoQ
|
-0.7 |
1.6%
-3.1% YoY
|
1.8%
+15.7% YoY
|
1.3%
-2.1% YoY
|
53% |
| Loan To Share |
93.8%
-1.9% YoY-6.4% QoQ
|
+33.2% |
60.6%
-3.1% YoY
|
73.6%
-2.9% YoY
|
67.4%
-1.7% YoY
|
Top 7.6% in tier |
| AMR |
$15,310
-6.9% YoY+0.8% QoQ
|
+$528 |
$14,783
-1.4% YoY
|
$12,676
+2.7% YoY
|
$19,687
+2.0% YoY
|
58% |
| CD Concentration |
25.8%
+12.9% YoY+27.6% QoQ
|
+1.4% | 24.4% | 15.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.5% | 7.8% | 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)