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BlastPoint's Credit Union Scorecard

ARKANSAS SUPERIOR

Charter #11685 · AR

<100M
2508 CUs in <100M nationally 43 in AR

ARKANSAS SUPERIOR has 5 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Net Interest Margin 0.38% above tier average
  • + Total Loans: Top 1.2% in tier
  • + Total Members: Top 1.4% in tier
  • + Total Assets: Top 1.7% in tier
  • + Total Deposits: Top 6.1% in tier

Key Concerns

Areas that may need attention

  • - ROA 0.25% below tier average
  • - Delinquency rate 8.37% above tier average
  • - Member decline: -2.1% YoY
  • - Total Delinquency Rate (60+ days): Bottom 2.4% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Members 9,692
-2.1% YoY-3.0% QoQ
+7.0K 2,676
+1.6% YoY
7,947
+7.9% YoY
33,913
+5.7% YoY
Top 1.4% in tier
Assets $94.7M
+7.4% YoY+3.8% QoQ
+$64.6M $30.2M
+1.3% YoY
$111.4M
+12.6% YoY
$578.3M
+9.0% YoY
Top 1.7% in tier
Loans $61.1M
-2.7% YoY-0.9% QoQ
+$45.8M $15.3M
-2.0% YoY
$80.4M
+16.0% YoY
$402.4M
+8.7% YoY
Top 1.2% in tier
Deposits $70.9M
+8.2% YoY+4.8% QoQ
+$45.1M $25.8M
+0.7% YoY
$90.2M
+11.4% YoY
$494.3M
+9.1% YoY
Top 6.1% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA -0.1%
-97.3% YoY-33.8% QoQ
-0.2% 0.1%
-77.6% YoY
-4.0%
+7873.5% YoY
0.4%
-39.2% YoY
19%
NIM 4.4%
-14.8% YoY+21.9% QoQ
+0.4% 4.0%
+4.0% YoY
4.1%
-8.1% YoY
3.8%
+4.1% YoY
73%
Efficiency Ratio 86.2%
+6.5% YoY+19.8% QoQ
-4.5% 90.6%
+6.5% YoY
125.8%
+36.6% YoY
84.6%
+2.8% YoY
61%
Delinquency Rate 9.9%
+61.6% YoY+32.9% QoQ
+8.4 1.5%
+3.8% YoY
1.6%
+18.4% YoY
1.2%
+3.4% YoY
Bottom 2.4% in tier
Loan To Share 86.2%
-10.1% YoY-5.4% QoQ
+27.7% 58.5%
-3.0% YoY
70.8%
-3.6% YoY
65.6%
-1.4% YoY
Top 11.2% in tier
AMR $13,623
+5.1% YoY+5.2% QoQ
$-1K $14,884
-1.7% YoY
$12,879
+3.3% YoY
$19,920
+1.6% YoY
48%
CD Concentration 28.4%
+20.7% YoY+6.8% QoQ
+4.2% 24.3% 15.4% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 2.4% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Comparing against 2508 peers in tier

Top Strengths (9 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 0.00%
#1 of 2508 Top 0.1% in <100M tier
30
Total Loans
balance_sheet
Value: $61.12M
Peer Median: $9.48M
#30 of 2508 Top 1.2% in <100M tier
36
Total Members
engagement
Value: 9,692
Peer Median: 1,918
#36 of 2508 Top 1.4% in <100M tier
43
Total Assets
balance_sheet
Value: $94.74M
Peer Median: $21.86M
#43 of 2508 Top 1.7% in <100M tier
154
Total Deposits
balance_sheet
Value: $70.92M
Peer Median: $18.77M
#154 of 2508 Top 6.1% in <100M tier
255
Net Worth Ratio
risk
Value: 25.40%
Peer Median: 14.28%
#255 of 2508 Top 10.1% in <100M tier
279
Loan-to-Share Ratio
balance_sheet
Value: 86.18%
Peer Median: 58.72%
#279 of 2508 Top 11.1% in <100M tier
300
Deposit Growth Rate
growth
Value: 8.23%
Peer Median: 0.66%
#300 of 2508 Top 11.9% in <100M tier
332
Asset Growth Rate
growth
Value: 7.41%
Peer Median: 1.30%
#332 of 2508 Top 13.2% in <100M tier

Top Weaknesses (3 metrics)

2449
Total Delinquency Rate (60+ days)
risk
Value: 9.88%
Peer Median: 0.65%
#2449 of 2508 Bottom 2.4% in <100M tier
2029
Return on Assets (ROA)
profitability
Value: -0.10%
Peer Median: 0.61%
#2029 of 2508 Bottom 19.1% in <100M tier
2017
Share Certificate Concentration (%)
balance_sheet
Value: 28.45%
Peer Median: 12.45%
#2017 of 2508 Bottom 19.6% in <100M tier
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