BlastPoint's Credit Union Scorecard

ARKANSAS SUPERIOR

Charter #11685 · AR

2556 CUs in <100M nationally 43 in AR

ARKANSAS SUPERIOR has 6 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Total Members: Top 1.3% in tier
  • + Total Loans: Top 1.6% in tier
  • + Total Assets: Top 3.5% in tier
  • + Total Deposits: Top 8.0% in tier
  • + Loan-to-Share Ratio: Top 9.0% in tier

Key Concerns

Areas that may need attention

  • - ROA 0.77% below tier average
  • - Delinquency rate 5.88% above tier average
  • - Total Delinquency Rate (60+ days): Bottom 3.1% in tier
  • - Net Charge-Off Rate: Bottom 7.4% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Members 9,991
+1.1% YoY0% QoQ
+7.4K 2,615
-1.9% YoY
7,878
+8.0% YoY
33,374
+5.7% YoY
Top 1.4% in tier
Assets $91.3M
+6.6% YoY+0.2% QoQ
+$61.1M $30.1M
+2.1% YoY
$108.7M
+13.0% YoY
$561.6M
+9.7% YoY
Top 3.5% in tier
Loans $61.7M
-5.4% YoY0% QoQ
+$45.9M $15.8M
-1.3% YoY
$78.6M
+14.7% YoY
$397.0M
+8.8% YoY
Top 1.7% in tier
Deposits $67.7M
+8.8% YoY0% QoQ
+$42.0M $25.7M
+1.4% YoY
$88.8M
+14.2% YoY
$477.3M
+9.7% YoY
Top 8.1% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA -0.2%
-107.8% YoY-25.6% QoQ
-0.8% 0.6%
+10.8% YoY
-0.1%
-109.5% YoY
0.7%
+15.9% YoY
Bottom 13.1% in tier
NIM 3.6%
-29.3% YoY-25.6% QoQ
-0.3% 4.0%
+4.0% YoY
4.2%
+0.9% YoY
3.8%
+5.1% YoY
38%
Efficiency Ratio 72.0%
+25.9% YoY0% QoQ
-10.6% 82.6%
-2.3% YoY
86.1%
+2.0% YoY
79.7%
-3.3% YoY
31%
Delinquency Rate 7.4%
-1.4% YoY0% QoQ
+5.9 1.6%
-3.1% YoY
1.8%
+15.7% YoY
1.3%
-2.1% YoY
Top 3.1% in tier
Loan To Share 91.1%
-13.0% YoY0% QoQ
+30.5% 60.6%
-3.1% YoY
73.6%
-2.9% YoY
67.4%
-1.7% YoY
Top 9.2% in tier
AMR $12,950
+0.4% YoY0% QoQ
$-2K $14,783
-1.4% YoY
$12,676
+2.7% YoY
$19,687
+2.0% YoY
45%
CD Concentration 26.6%
+20.7% YoY0% QoQ
+2.2% 24.4% 15.6% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 2.5% 7.8% 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 2556 peers in tier

Top Strengths (10 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 2556 Top 0.0% in <100M tier
35
Total Members
engagement
Value: 9,991
Peer Median: -
#35 of 2556 Top 1.3% in <100M tier
43
Total Loans
balance_sheet
Value: $61.68M
Peer Median: -
#43 of 2556 Top 1.6% in <100M tier
90
Total Assets
balance_sheet
Value: $91.27M
Peer Median: -
#90 of 2556 Top 3.5% in <100M tier
206
Total Deposits
balance_sheet
Value: $67.70M
Peer Median: -
#206 of 2556 Top 8.0% in <100M tier
232
Loan-to-Share Ratio
balance_sheet
Value: 91.10%
Peer Median: -
#232 of 2556 Top 9.0% in <100M tier
264
Net Worth Ratio
risk
Value: 25.65%
Peer Median: -
#264 of 2556 Top 10.3% in <100M tier
300
Deposit Growth Rate
growth
Value: 8.79%
Peer Median: -
#300 of 2556 Top 11.7% in <100M tier
480
Asset Growth Rate
growth
Value: 6.57%
Peer Median: -
#480 of 2556 Top 18.7% in <100M tier
571
Member Growth Rate
growth
Value: 1.10%
Peer Median: -
#571 of 2556 Top 22.3% in <100M tier

Top Weaknesses (4 metrics)

2479
Total Delinquency Rate (60+ days)
risk
Value: 7.43%
Peer Median: -
#2479 of 2556 Bottom 3.1% in <100M tier
2367
Net Charge-Off Rate
risk
Value: 1.70%
Peer Median: -
#2367 of 2556 Bottom 7.4% in <100M tier
2221
Return on Assets (ROA)
profitability
Value: -0.15%
Peer Median: -
#2221 of 2556 Bottom 13.1% in <100M tier
1991
Share Certificate Concentration (%)
balance_sheet
Value: 26.64%
Peer Median: -
#1991 of 2556 Bottom 22.1% in <100M tier
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