BlastPoint's Credit Union Scorecard
COTTON BELT
Charter #1245 · AR
COTTON BELT has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.20% above tier average
- + Net Interest Margin 0.97% above tier average
- + Fee Income Per Member: Top 0.8% in tier
- + Total Loans: Top 3.1% in tier
- + Loan-to-Share Ratio: Top 3.5% in tier
- + Loan-to-Member Ratio (LMR): Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 3.87% above tier average
- - Member decline: -2.1% YoY
- - First Mortgage Concentration (%): Bottom 4.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 5.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,766
-2.1% YoY-0.9% QoQ
|
+3.2K |
2,615
-1.9% YoY
|
7,878
+8.0% YoY
|
33,374
+5.7% YoY
|
Top 10.3% in tier |
| Assets |
$72.7M
+5.4% YoY+4.2% QoQ
|
+$42.5M |
$30.1M
+2.1% YoY
|
$108.7M
+13.0% YoY
|
$561.6M
+9.7% YoY
|
Top 11.3% in tier |
| Loans |
$56.5M
+9.0% YoY+1.9% QoQ
|
+$40.7M |
$15.8M
-1.3% YoY
|
$78.6M
+14.7% YoY
|
$397.0M
+8.8% YoY
|
Top 3.2% in tier |
| Deposits |
$55.4M
+5.7% YoY+2.9% QoQ
|
+$29.7M |
$25.7M
+1.4% YoY
|
$88.8M
+14.2% YoY
|
$477.3M
+9.7% YoY
|
85% |
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| ROA |
1.8%
+126.7% YoY-22.4% QoQ
|
+1.2% |
0.6%
+10.8% YoY
|
-0.1%
-109.5% YoY
|
0.7%
+15.9% YoY
|
Top 9.6% in tier |
| NIM |
4.9%
+19.4% YoY-2.0% QoQ
|
+1.0% |
4.0%
+4.0% YoY
|
4.2%
+0.9% YoY
|
3.8%
+5.1% YoY
|
84% |
| Efficiency Ratio |
66.7%
-16.6% YoY+8.2% QoQ
|
-15.9% |
82.6%
-2.3% YoY
|
86.1%
+2.0% YoY
|
79.7%
-3.3% YoY
|
21% |
| Delinquency Rate |
5.4%
+6.4% YoY-5.7% QoQ
|
+3.9 |
1.6%
-3.1% YoY
|
1.8%
+15.7% YoY
|
1.3%
-2.1% YoY
|
Top 5.6% in tier |
| Loan To Share |
102.0%
+3.1% YoY-1.0% QoQ
|
+41.4% |
60.6%
-3.1% YoY
|
73.6%
-2.9% YoY
|
67.4%
-1.7% YoY
|
Top 3.6% in tier |
| AMR |
$19,397
+9.6% YoY+3.4% QoQ
|
+$5K |
$14,783
-1.4% YoY
|
$12,676
+2.7% YoY
|
$19,687
+2.0% YoY
|
77% |
| CD Concentration |
6.5%
-23.1% YoY-0.6% QoQ
|
-17.9% | 24.4% | 15.6% | 19.8% | 50% |
| Indirect Auto % |
1.4%
-46.2% YoY+1890.5% QoQ
|
-12.4% | 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)