BlastPoint's Credit Union Scorecard
COTTON BELT
Charter #1245 · AR
2596 CUs in <100M nationally
44 in AR
COTTON BELT has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.66% above tier average
- + Net Interest Margin 1.09% above tier average
- + Fee Income Per Member: Top 1.0% in tier
- + Loan-to-Share Ratio: Top 2.7% in tier
- + Total Loans: Top 3.1% in tier
- + Loan-to-Member Ratio (LMR): Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 4.25% above tier average
- - Member decline: -2.4% YoY
- - First Mortgage Concentration (%): Bottom 4.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,820
-2.4% YoY+0.1% QoQ
|
+3.2K |
2,625
-2.2% YoY
|
7,762
+8.3% YoY
|
33,089
+6.1% YoY
|
Top 10.2% in tier |
| Assets |
$69.8M
-0.9% YoY+2.5% QoQ
|
+$39.9M |
$29.9M
+1.1% YoY
|
$104.3M
+13.0% YoY
|
$547.7M
+7.8% YoY
|
Top 12.3% in tier |
| Loans |
$55.4M
+7.5% YoY+2.1% QoQ
|
+$39.7M |
$15.8M
-2.4% YoY
|
$74.9M
+12.6% YoY
|
$388.7M
+8.6% YoY
|
Top 3.2% in tier |
| Deposits |
$53.8M
-4.4% YoY+0.1% QoQ
|
+$28.3M |
$25.5M
+0.4% YoY
|
$86.6M
+15.8% YoY
|
$464.6M
+9.3% YoY
|
84% |
| ROA |
2.3%
+890.1% YoY+176.6% QoQ
|
+1.7% |
0.7%
-731.4% YoY
|
0.2%
-67.2% YoY
|
0.7%
+273.4% YoY
|
Top 5.1% in tier |
| NIM |
5.0%
+27.5% YoY+1.3% QoQ
|
+1.1% |
3.9%
+3.8% YoY
|
4.4%
+6.8% YoY
|
3.7%
+5.0% YoY
|
Top 13.6% in tier |
| Efficiency Ratio |
61.6%
-31.8% YoY-17.9% QoQ
|
-19.8% |
81.4%
-2.4% YoY
|
83.8%
+0.9% YoY
|
79.1%
-3.3% YoY
|
16% |
| Delinquency Rate |
5.8%
+29.4% YoY-4.1% QoQ
|
+4.2 |
1.5%
-2.0% YoY
|
1.5%
-12.0% YoY
|
1.2%
-0.9% YoY
|
Top 4.9% in tier |
| Loan To Share |
103.0%
+12.5% YoY+2.0% QoQ
|
+41.8% |
61.2%
-3.0% YoY
|
73.4%
-3.7% YoY
|
68.0%
-1.7% YoY
|
Top 2.9% in tier |
| AMR |
$18,768
+3.8% YoY+1.0% QoQ
|
+$4K |
$14,627
-2.7% YoY
|
$12,695
+3.6% YoY
|
$19,418
+1.3% YoY
|
74% |
| CD Concentration |
6.5%
-47.4% YoY+8.9% QoQ
|
-17.9% |
24.4%
+4.2% YoY
|
16.2%
+8.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
0.1%
-97.6% YoY-96.3% QoQ
|
-13.9% |
14.0%
-5.8% YoY
|
2.6%
-19.0% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (11 metrics)
26
Fee Income Per Member
profitability
Value:
$451.97
Peer Avg: $182.96
#26 of 2596
Top 1.0% in <100M tier
72
Loan-to-Share Ratio
balance_sheet
Value:
103.05%
Peer Avg: 61.23%
#72 of 2596
Top 2.7% in <100M tier
82
Total Loans
balance_sheet
Value:
$55.43M
Peer Avg: $15.77M
#82 of 2596
Top 3.1% in <100M tier
132
Return on Assets (ROA)
profitability
Value:
2.34%
Peer Avg: 0.68%
#132 of 2596
Top 5.0% in <100M tier
254
Loan-to-Member Ratio (LMR)
engagement
Value:
$9,525
Peer Avg: $5,488
#254 of 2596
Top 9.7% in <100M tier
264
Total Members
engagement
Value:
5,820
Peer Avg: 2,626
#264 of 2596
Top 10.1% in <100M tier
320
Total Assets
balance_sheet
Value:
$69.75M
Peer Avg: $29.86M
#320 of 2596
Top 12.3% in <100M tier
354
Net Interest Margin (NIM)
profitability
Value:
5.02%
Peer Avg: 3.93%
#354 of 2596
Top 13.6% in <100M tier
387
Loan Growth Rate
growth
Value:
7.52%
Peer Avg: 59.01%
#387 of 2596
Top 14.9% in <100M tier
410
Total Deposits
balance_sheet
Value:
$53.80M
Peer Avg: $25.45M
#410 of 2596
Top 15.8% in <100M tier
Top Weaknesses (6 metrics)
2477
First Mortgage Concentration (%)
balance_sheet
Value:
57.86%
Peer Avg: 14.49%
#2477 of 2596
Bottom 4.6% in <100M tier
2469
Total Delinquency Rate (60+ days)
risk
Value:
5.75%
Peer Avg: 1.51%
#2469 of 2596
Bottom 4.9% in <100M tier
2188
Indirect Auto Concentration (%)
balance_sheet
Value:
0.07%
Peer Avg: 2.84%
#2188 of 2596
Bottom 15.8% in <100M tier
2121
Net Charge-Off Rate
risk
Value:
0.83%
Peer Avg: 0.57%
#2121 of 2596
Bottom 18.3% in <100M tier
2079
Deposit Growth Rate
growth
Value:
-4.40%
Peer Avg: 16.80%
#2079 of 2596
Bottom 20.0% in <100M tier
1964
Members Per Employee (MPE)
engagement
Value:
242.500
Peer Avg: 365.701
#1964 of 2596
Bottom 24.4% in <100M tier