BlastPoint's Credit Union Scorecard
COTTON BELT
Charter #1245 · AR
COTTON BELT has 7 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.08% above tier average
- + Strong member growth: 7.6% YoY
- + Fee Income Per Member: Top 2.7% in tier
- + Total Loans: Top 3.9% in tier
- + Member Growth Rate: Top 4.8% in tier
- + Loan-to-Share Ratio: Top 5.2% in tier
- + Total Members: Top 7.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.34% below tier average
- - Delinquency rate 3.19% above tier average
- - First Mortgage Concentration (%): Bottom 4.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.7% in tier
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 +4.2% year over year ($56.0M in shares and deposits).
- Membership: 6,256 members, +7.6% vs a year ago.
- Delinquency rate 4.73%.
- Return on assets 1.16%.
- Efficiency ratio 75.74% vs a 88.77% peer average.
- Loan-to-share ratio 95.56% 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 |
6,256
+7.6% YoY+8.7% QoQ
|
+3.7K |
2,585
-1.7% YoY
|
8,161
+10.4% YoY
|
34,678
+6.6% YoY
|
Top 7.6% in tier |
| Assets |
$70.0M
+2.9% YoY-0.7% QoQ
|
+$39.7M |
$30.3M
+1.5% YoY
|
$115.8M
+17.0% YoY
|
$593.1M
+10.2% YoY
|
Top 12.5% in tier |
| Loans |
$53.5M
-1.4% YoY-3.3% QoQ
|
+$38.1M |
$15.5M
-1.7% YoY
|
$84.2M
+19.9% YoY
|
$418.6M
+10.1% YoY
|
Top 4.0% in tier |
| Deposits |
$56.0M
+4.2% YoY-1.2% QoQ
|
+$30.2M |
$25.8M
+1.1% YoY
|
$93.4M
+13.5% YoY
|
$504.8M
+10.3% YoY
|
Top 14.9% in tier |
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| ROA |
1.2%
+36.5% YoY+69.0% QoQ
|
-0.3% |
1.5%
+241.5% YoY
|
1.6%
+705.7% YoY
|
1.2%
+121.4% YoY
|
68% |
| NIM |
5.0%
+0.5% YoY+0.2% QoQ
|
+1.1% |
3.9%
+0.9% YoY
|
4.1%
-5.5% YoY
|
3.8%
+2.3% YoY
|
Top 12.3% in tier |
| Efficiency Ratio |
75.7%
+1.0% YoY-5.5% QoQ
|
-13.0% |
88.8%
-6.9% YoY
|
86.5%
+3.6% YoY
|
83.0%
-5.3% YoY
|
38% |
| Delinquency Rate |
4.7%
-21.1% YoY+104.8% QoQ
|
+3.2 |
1.5%
+2.1% YoY
|
1.9%
+36.9% YoY
|
1.3%
+2.6% YoY
|
Bottom 6.7% in tier |
| Loan To Share |
95.6%
-5.4% YoY-2.2% QoQ
|
+36.7% |
58.9%
-3.1% YoY
|
71.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
Top 5.3% in tier |
| AMR |
$17,507
-5.8% YoY-10.1% QoQ
|
+$3K |
$14,963
-6.8% YoY
|
$12,982
+3.9% YoY
|
$20,028
-0.9% YoY
|
67% |
| CD Concentration |
7.1%
+17.9% YoY+10.9% QoQ
|
-17.5% | 24.6% | 15.4% | 20.0% | 50% |
| Indirect Auto % |
1.1%
-39.7% YoY-10.1% QoQ
|
-12.5% | 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)