BlastPoint's Credit Union Scorecard

PATTERSON

Charter #11902 · AR

<100M

2508 CUs in <100M nationally 43 in AR

PATTERSON demonstrates 3 strengths

National Analysis

How does the industry compare?

AR Analysis

How does AR stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 2.36% above tier average
+ Net Interest Margin 0.57% above tier average
+ Fee Income Per Member: Top 6.9% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Members	3,918 +3.5% YoY+0.5% QoQ	+1.2K	2,676 +1.6% YoY	7,947 +7.9% YoY	33,913 +5.7% YoY	78%
Assets	$37.5M +7.0% YoY+1.8% QoQ	+$7.3M	$30.2M +1.3% YoY	$111.4M +12.6% YoY	$578.3M +9.0% YoY	66%
Loans	$25.4M +10.0% YoY+0.8% QoQ	+$10.1M	$15.3M -2.0% YoY	$80.4M +16.0% YoY	$402.4M +8.7% YoY	78%
Deposits	$30.8M +5.4% YoY+1.4% QoQ	+$5.0M	$25.8M +0.7% YoY	$90.2M +11.4% YoY	$494.3M +9.1% YoY	66%

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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	2.5% -0.1% YoY+6.4% QoQ	+2.4%	0.1% -77.6% YoY	-4.0% +7873.5% YoY	0.4% -39.2% YoY	Top 3.1% in tier
NIM	4.6% -10.6% YoY-6.4% QoQ	+0.6%	4.0% +4.0% YoY	4.1% -8.1% YoY	3.8% +4.1% YoY	79%
Efficiency Ratio	63.8% +5.3% YoY+2.2% QoQ	-26.8%	90.6% +6.5% YoY	125.8% +36.6% YoY	84.6% +2.8% YoY	16%
Delinquency Rate	0.1% -81.1% YoY-28.3% QoQ	-1.4	1.5% +3.8% YoY	1.6% +18.4% YoY	1.2% +3.4% YoY	23%
Loan To Share	82.4% +4.4% YoY-0.6% QoQ	+23.9%	58.5% -3.0% YoY	70.8% -3.6% YoY	65.6% -1.4% YoY	84%
AMR	$14,346 +3.8% YoY+0.7% QoQ	$-538	$14,884 -1.7% YoY	$12,879 +3.3% YoY	$19,920 +1.6% YoY	52%
CD Concentration	20.5% +5.7% YoY-7.2% QoQ	-3.7%	24.3%	15.4%	19.8%	50%
Indirect Auto %	0.0% -94.5% YoY	-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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (15 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

Return on Assets (ROA)

profitability

Value: 2.51%

Peer Median: 0.61%

#78 of 2508 Top 3.1% in <100M tier

175

Fee Income Per Member

profitability

Value: $179.09

Peer Median: $60.42

#175 of 2508 Top 6.9% in <100M tier

254

Loan Growth Rate

growth

Value: 10.01%

Peer Median: -2.36%

#254 of 2508 Top 10.1% in <100M tier

263

Net Charge-Off Rate

risk

Value: -0.08%

Peer Median: 0.07%

#263 of 2508 Top 10.4% in <100M tier

264

Member Growth Rate

growth

Value: 3.46%

Peer Median: -1.37%

#264 of 2508 Top 10.5% in <100M tier

377

Asset Growth Rate

growth

Value: 6.95%

Peer Median: 1.30%

#377 of 2508 Top 15.0% in <100M tier

390

Members Per Employee (MPE)

engagement

Value: 489.750

Peer Median: 333.750

#390 of 2508 Top 15.5% in <100M tier

395

Loan-to-Share Ratio

balance_sheet

Value: 82.44%

Peer Median: 58.72%

#395 of 2508 Top 15.7% in <100M tier

412

Efficiency Ratio

profitability

Value: 63.81%

Peer Median: 81.45%

#412 of 2508 Top 16.4% in <100M tier

Top Weaknesses (1 metrics)

2114

Indirect Auto Concentration (%)

balance_sheet

Value: 0.01%

Peer Median: 0.00%

#2114 of 2508 Bottom 15.7% in <100M tier