BlastPoint's Credit Union Scorecard
COTTON BELT
Charter #1245 · AR
COTTON BELT has 7 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.54% above tier average
- + Net Interest Margin 0.96% above tier average
- + Total Loans: Top 2.8% in tier
- + Loan-to-Share Ratio: Top 3.8% in tier
- + Fee Income Per Member: Top 4.1% in tier
- + Loan-to-Member Ratio (LMR): Top 9.2% in tier
- + Total Members: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.81% above tier average
- - First Mortgage Concentration (%): Bottom 4.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,754
-1.3% YoY-0.2% QoQ
|
+3.1K |
2,676
+1.6% YoY
|
7,947
+7.9% YoY
|
33,913
+5.7% YoY
|
Top 10.0% in tier |
| Assets |
$70.5M
+1.1% YoY-3.0% QoQ
|
+$40.3M |
$30.2M
+1.3% YoY
|
$111.4M
+12.6% YoY
|
$578.3M
+9.0% YoY
|
Top 12.0% in tier |
| Loans |
$55.3M
+2.6% YoY-2.0% QoQ
|
+$40.1M |
$15.3M
-2.0% YoY
|
$80.4M
+16.0% YoY
|
$402.4M
+8.7% YoY
|
Top 2.8% in tier |
| Deposits |
$56.7M
+1.9% YoY+2.3% QoQ
|
+$30.9M |
$25.8M
+0.7% YoY
|
$90.2M
+11.4% YoY
|
$494.3M
+9.1% YoY
|
Top 14.2% in tier |
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| ROA |
0.7%
+87.0% YoY-62.4% QoQ
|
+0.5% |
0.1%
-77.6% YoY
|
-4.0%
+7873.5% YoY
|
0.4%
-39.2% YoY
|
54% |
| NIM |
5.0%
+6.3% YoY+1.0% QoQ
|
+1.0% |
4.0%
+4.0% YoY
|
4.1%
-8.1% YoY
|
3.8%
+4.1% YoY
|
Top 12.1% in tier |
| Efficiency Ratio |
80.1%
+2.0% YoY+20.2% QoQ
|
-10.5% |
90.6%
+6.5% YoY
|
125.8%
+36.6% YoY
|
84.6%
+2.8% YoY
|
46% |
| Delinquency Rate |
2.3%
-17.3% YoY-57.4% QoQ
|
+0.8 |
1.5%
+3.8% YoY
|
1.6%
+18.4% YoY
|
1.2%
+3.4% YoY
|
84% |
| Loan To Share |
97.7%
+0.8% YoY-4.2% QoQ
|
+39.2% |
58.5%
-3.0% YoY
|
70.8%
-3.6% YoY
|
65.6%
-1.4% YoY
|
Top 3.9% in tier |
| AMR |
$19,467
+3.6% YoY+0.4% QoQ
|
+$5K |
$14,884
-1.7% YoY
|
$12,879
+3.3% YoY
|
$19,920
+1.6% YoY
|
76% |
| CD Concentration |
6.4%
-2.9% YoY-1.7% QoQ
|
-17.9% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % |
1.3%
-41.9% YoY-8.2% QoQ
|
-12.5% | 13.8% | 2.4% | 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)