BlastPoint's Credit Union Scorecard
PATTERSON
Charter #11902 · AR
PATTERSON demonstrates 3 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.79% above tier average
- + Net Interest Margin 0.66% above tier average
- + Fee Income Per Member: Top 7.5% in tier
Key Concerns
Areas that may need attention
No key concerns identified
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 42 that size in Arkansas.
- Shares and deposits +3.7% year over year ($31.1M in shares and deposits).
- Membership: 3,960 members, +2.2% vs a year ago.
- Delinquency rate 0.08%.
- Return on assets 2.28%.
- Efficiency ratio 64.77% vs a 88.77% peer average.
- Loan-to-share ratio 82.75% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,960
+2.2% YoY+1.1% QoQ
|
+1.4K |
2,585
-1.7% YoY
|
8,161
+10.4% YoY
|
34,678
+6.6% YoY
|
79% |
| Assets |
$38.0M
+5.5% YoY+1.5% QoQ
|
+$7.8M |
$30.3M
+1.5% YoY
|
$115.8M
+17.0% YoY
|
$593.1M
+10.2% YoY
|
67% |
| Loans |
$25.8M
+5.6% YoY+1.5% QoQ
|
+$10.3M |
$15.5M
-1.7% YoY
|
$84.2M
+19.9% YoY
|
$418.6M
+10.1% YoY
|
78% |
| Deposits |
$31.1M
+3.7% YoY+1.1% QoQ
|
+$5.3M |
$25.8M
+1.1% YoY
|
$93.4M
+13.5% YoY
|
$504.8M
+10.3% YoY
|
66% |
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| ROA |
2.3%
-9.8% YoY-9.2% QoQ
|
+0.8% |
1.5%
+241.5% YoY
|
1.6%
+705.7% YoY
|
1.2%
+121.4% YoY
|
Top 6.9% in tier |
| NIM |
4.6%
-8.5% YoY-0.4% QoQ
|
+0.7% |
3.9%
+0.9% YoY
|
4.1%
-5.5% YoY
|
3.8%
+2.3% YoY
|
78% |
| Efficiency Ratio |
64.8%
+8.3% YoY+1.5% QoQ
|
-24.0% |
88.8%
-6.9% YoY
|
86.5%
+3.6% YoY
|
83.0%
-5.3% YoY
|
17% |
| Delinquency Rate |
0.1%
-74.1% YoY-33.2% QoQ
|
-1.5 |
1.5%
+2.1% YoY
|
1.9%
+36.9% YoY
|
1.3%
+2.6% YoY
|
18% |
| Loan To Share |
82.7%
+1.8% YoY+0.4% QoQ
|
+23.9% |
58.9%
-3.1% YoY
|
71.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
84% |
| AMR |
$14,370
+2.3% YoY+0.2% QoQ
|
$-593 |
$14,963
-6.8% YoY
|
$12,982
+3.9% YoY
|
$20,028
-0.9% YoY
|
52% |
| CD Concentration |
20.0%
+0.2% YoY-2.7% QoQ
|
-4.6% | 24.6% | 15.4% | 20.0% | 50% |
| Indirect Auto % |
0.0%
-96.5% YoY
|
-13.6% | 13.6% | 2.2% | 7.7% | 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)