BlastPoint's Credit Union Scorecard
PATTERSON
Charter #11902 · AR
PATTERSON demonstrates 7 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.74% above tier average
- + Net Interest Margin 0.94% above tier average
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 6.9% in tier
- + Member Growth Rate: Top 8.3% in tier
- + Fee Income Per Member: Top 8.7% in tier
- + Members Per Employee (MPE): Top 9.8% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,899
+3.8% YoY+0.7% QoQ
|
+1.3K |
2,615
-1.9% YoY
|
7,878
+8.0% YoY
|
33,374
+5.7% YoY
|
78% |
| Assets |
$36.8M
+8.3% YoY+2.9% QoQ
|
+$6.7M |
$30.1M
+2.1% YoY
|
$108.7M
+13.0% YoY
|
$561.6M
+9.7% YoY
|
66% |
| Loans |
$25.2M
+13.4% YoY+0.4% QoQ
|
+$9.4M |
$15.8M
-1.3% YoY
|
$78.6M
+14.7% YoY
|
$397.0M
+8.8% YoY
|
77% |
| Deposits |
$30.4M
+6.9% YoY+2.9% QoQ
|
+$4.7M |
$25.7M
+1.4% YoY
|
$88.8M
+14.2% YoY
|
$477.3M
+9.7% YoY
|
65% |
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| ROA |
2.4%
-15.9% YoY-5.4% QoQ
|
+1.7% |
0.6%
+10.8% YoY
|
-0.1%
-109.5% YoY
|
0.7%
+15.9% YoY
|
Top 3.4% in tier |
| NIM |
4.9%
-5.0% YoY-1.4% QoQ
|
+0.9% |
4.0%
+4.0% YoY
|
4.2%
+0.9% YoY
|
3.8%
+5.1% YoY
|
83% |
| Efficiency Ratio |
62.5%
+6.1% YoY+1.9% QoQ
|
-20.1% |
82.6%
-2.3% YoY
|
86.1%
+2.0% YoY
|
79.7%
-3.3% YoY
|
Bottom 14.3% in tier |
| Delinquency Rate |
0.2%
-70.8% YoY-23.6% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.8%
+15.7% YoY
|
1.3%
-2.1% YoY
|
23% |
| Loan To Share |
83.0%
+6.1% YoY-2.4% QoQ
|
+22.4% |
60.6%
-3.1% YoY
|
73.6%
-2.9% YoY
|
67.4%
-1.7% YoY
|
82% |
| AMR |
$14,252
+5.8% YoY+1.0% QoQ
|
$-531 |
$14,783
-1.4% YoY
|
$12,676
+2.7% YoY
|
$19,687
+2.0% YoY
|
53% |
| CD Concentration |
22.1%
+9.9% YoY+11.5% QoQ
|
-2.3% | 24.4% | 15.6% | 19.8% | 50% |
| Indirect Auto % |
0.0%
-93.5% YoY-81.0% QoQ
|
-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)