BlastPoint's Credit Union Scorecard
ARKANSAS SUPERIOR
Charter #11685 ยท AR
2596 CUs in <100M nationally
44 in AR
ARKANSAS SUPERIOR has 8 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.91% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 1.2% in tier
- + Total Loans: Top 1.6% in tier
- + Total Assets: Top 3.3% in tier
- + Deposit Growth Rate: Top 7.2% in tier
- + Total Deposits: Top 7.8% in tier
- + Loan-to-Share Ratio: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.89% below tier average
- - Delinquency rate 5.92% above tier average
- - Total Delinquency Rate (60+ days): Bottom 3.2% in tier
- - Net Charge-Off Rate: Bottom 5.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,991
+1.5% YoY+0.5% QoQ
|
+7.4K |
2,625
-2.2% YoY
|
7,762
+8.3% YoY
|
33,089
+6.1% YoY
|
Top 1.2% in tier |
| Assets |
$91.1M
+8.4% YoY+1.6% QoQ
|
+$61.3M |
$29.9M
+1.1% YoY
|
$104.3M
+13.0% YoY
|
$547.7M
+7.8% YoY
|
Top 3.3% in tier |
| Loans |
$61.7M
-7.2% YoY-0.5% QoQ
|
+$45.9M |
$15.8M
-2.4% YoY
|
$74.9M
+12.6% YoY
|
$388.7M
+8.6% YoY
|
Top 1.7% in tier |
| Deposits |
$67.7M
+11.1% YoY+1.5% QoQ
|
+$42.2M |
$25.5M
+0.4% YoY
|
$86.6M
+15.8% YoY
|
$464.6M
+9.3% YoY
|
Top 7.9% in tier |
| ROA |
-0.2%
-110.1% YoY-81.4% QoQ
|
-0.9% |
0.7%
-731.4% YoY
|
0.2%
-67.2% YoY
|
0.7%
+273.4% YoY
|
Bottom 12.3% in tier |
| NIM |
4.8%
-2.5% YoY-0.8% QoQ
|
+0.9% |
3.9%
+3.8% YoY
|
4.4%
+6.8% YoY
|
3.7%
+5.0% YoY
|
83% |
| Efficiency Ratio |
72.0%
+28.9% YoY-3.2% QoQ
|
-9.4% |
81.4%
-2.4% YoY
|
83.8%
+0.9% YoY
|
79.1%
-3.3% YoY
|
35% |
| Delinquency Rate |
7.4%
+43.5% YoY-11.7% QoQ
|
+5.9 |
1.5%
-2.0% YoY
|
1.5%
-12.0% YoY
|
1.2%
-0.9% YoY
|
Top 3.2% in tier |
| Loan To Share |
91.1%
-16.5% YoY-2.0% QoQ
|
+29.9% |
61.2%
-3.0% YoY
|
73.4%
-3.7% YoY
|
68.0%
-1.7% YoY
|
Top 10.1% in tier |
| AMR |
$12,950
+0.1% YoY+0.1% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$12,695
+3.6% YoY
|
$19,418
+1.3% YoY
|
46% |
| CD Concentration |
26.6%
+32.6% YoY+6.7% QoQ
|
+2.2% |
24.4%
+4.2% YoY
|
16.2%
+8.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
2.6%
-19.0% YoY
|
7.9%
-2.9% YoY
|
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)
Top Strengths (11 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
31
Total Members
engagement
Value:
9,991
Peer Avg: 2,626
#31 of 2596
Top 1.2% in <100M tier
43
Total Loans
balance_sheet
Value:
$61.68M
Peer Avg: $15.77M
#43 of 2596
Top 1.6% in <100M tier
86
Total Assets
balance_sheet
Value:
$91.13M
Peer Avg: $29.86M
#86 of 2596
Top 3.3% in <100M tier
187
Deposit Growth Rate
growth
Value:
11.12%
Peer Avg: 16.80%
#187 of 2596
Top 7.2% in <100M tier
204
Total Deposits
balance_sheet
Value:
$67.70M
Peer Avg: $25.45M
#204 of 2596
Top 7.8% in <100M tier
257
Loan-to-Share Ratio
balance_sheet
Value:
91.10%
Peer Avg: 61.23%
#257 of 2596
Top 9.9% in <100M tier
270
Net Worth Ratio
risk
Value:
25.54%
Peer Avg: 16.43%
#270 of 2596
Top 10.4% in <100M tier
313
Asset Growth Rate
growth
Value:
8.38%
Peer Avg: 1.82%
#313 of 2596
Top 12.0% in <100M tier
451
Net Interest Margin (NIM)
profitability
Value:
4.85%
Peer Avg: 3.93%
#451 of 2596
Top 17.3% in <100M tier
Top Weaknesses (4 metrics)
2513
Total Delinquency Rate (60+ days)
risk
Value:
7.43%
Peer Avg: 1.51%
#2513 of 2596
Bottom 3.2% in <100M tier
2466
Net Charge-Off Rate
risk
Value:
2.21%
Peer Avg: 0.57%
#2466 of 2596
Bottom 5.0% in <100M tier
2276
Return on Assets (ROA)
profitability
Value:
-0.20%
Peer Avg: 0.68%
#2276 of 2596
Bottom 12.4% in <100M tier
2032
Share Certificate Concentration (%)
balance_sheet
Value:
26.64%
Peer Avg: 15.37%
#2032 of 2596
Bottom 21.8% in <100M tier