BlastPoint's Credit Union Scorecard
ARC
Charter #11304 · PA
ARC has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + ROA 0.67% above tier average
- + Net Interest Margin 0.54% above tier average
- + Members Per Employee (MPE): Top 5.6% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.44% above tier average
- - Average Member Relationship (AMR): Bottom 7.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.5% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 62 that size in Pennsylvania.
- Shares and deposits +3.9% year over year ($133M in shares and deposits).
- Membership: 14,524 members, +0.7% vs a year ago.
- Delinquency rate 1.32%.
- Return on assets 1.53%.
- Efficiency ratio 68.28% vs a 76.73% peer average.
- Loan-to-share ratio 59.49% vs a 71.54% 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 (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,524
+0.7% YoY+0.2% QoQ
|
-644 |
15,168
-2.6% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
57% |
| Assets |
$154.0M
+5.3% YoY-0.7% QoQ
|
$-78.0M |
$232.0M
+0.7% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
32% |
| Loans |
$79.2M
+1.6% YoY+1.2% QoQ
|
$-67.1M |
$146.3M
+0.2% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
23% |
| Deposits |
$133.1M
+3.9% YoY-1.3% QoQ
|
$-67.6M |
$200.7M
+0.2% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
32% |
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| ROA |
1.5%
+5.2% YoY+2.8% QoQ
|
+0.7% |
0.9%
+12.5% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
Top 11.9% in tier |
| NIM |
4.2%
+5.4% YoY+0.9% QoQ
|
+0.5% |
3.7%
+4.5% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
81% |
| Efficiency Ratio |
68.3%
-0.1% YoY+1.1% QoQ
|
-8.4% |
76.7%
-0.8% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
22% |
| Delinquency Rate |
1.3%
-23.3% YoY+56.4% QoQ
|
+0.4 |
0.9%
+6.6% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
81% |
| Loan To Share |
59.5%
-2.3% YoY+2.5% QoQ
|
-12.1% |
71.5%
-0.3% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
25% |
| AMR |
$14,612
+2.3% YoY-0.6% QoQ
|
$-10K |
$25,107
+3.2% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 7.7% in tier |
| CD Concentration |
11.0%
+9.9% YoY+8.5% QoQ
|
-13.6% | 24.6% | 15.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 8.4% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
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)