BlastPoint's Credit Union Scorecard
FAIRFIELD
Charter #12305 · AR
FAIRFIELD has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.19% above tier average
- + Net Interest Margin 0.31% above tier average
- + Total Assets: Top 1.3% in tier
- + Total Members: Top 1.5% in tier
- + Total Deposits: Top 5.3% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.13% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,662
+1.0% YoY-0.1% QoQ
|
+7.0K |
2,615
-1.9% YoY
|
7,878
+8.0% YoY
|
33,374
+5.7% YoY
|
Top 1.5% in tier |
| Assets |
$96.8M
+1.1% YoY+0.3% QoQ
|
+$66.6M |
$30.1M
+2.1% YoY
|
$108.7M
+13.0% YoY
|
$561.6M
+9.7% YoY
|
Top 1.3% in tier |
| Loans |
$33.3M
-4.5% YoY-2.3% QoQ
|
+$17.5M |
$15.8M
-1.3% YoY
|
$78.6M
+14.7% YoY
|
$397.0M
+8.8% YoY
|
85% |
| Deposits |
$74.2M
+0.2% YoY+0.2% QoQ
|
+$48.5M |
$25.7M
+1.4% YoY
|
$88.8M
+14.2% YoY
|
$477.3M
+9.7% YoY
|
Top 5.4% in tier |
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| ROA |
0.8%
-57.1% YoY-28.8% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
-0.1%
-109.5% YoY
|
0.7%
+15.9% YoY
|
57% |
| NIM |
4.3%
+1.8% YoY-0.7% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
4.2%
+0.9% YoY
|
3.8%
+5.1% YoY
|
65% |
| Efficiency Ratio |
74.6%
+2.6% YoY+2.4% QoQ
|
-8.0% |
82.6%
-2.3% YoY
|
86.1%
+2.0% YoY
|
79.7%
-3.3% YoY
|
37% |
| Delinquency Rate |
2.7%
+9.2% YoY+72.7% QoQ
|
+1.1 |
1.6%
-3.1% YoY
|
1.8%
+15.7% YoY
|
1.3%
-2.1% YoY
|
85% |
| Loan To Share |
44.9%
-4.7% YoY-2.5% QoQ
|
-15.8% |
60.6%
-3.1% YoY
|
73.6%
-2.9% YoY
|
67.4%
-1.7% YoY
|
26% |
| AMR |
$11,118
-2.3% YoY-0.5% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$12,676
+2.7% YoY
|
$19,687
+2.0% YoY
|
34% |
| CD Concentration |
1.7%
-16.1% YoY-1.8% QoQ
|
-22.7% | 24.4% | 15.6% | 19.8% | 50% |
| Indirect Auto % |
0.0%
-89.9% YoY-44.5% 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)