BlastPoint's Credit Union Scorecard
FORT SMITH TEACHERS
Charter #1248 · AR
FORT SMITH TEACHERS demonstrates 3 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.41% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,450
-0.2% YoY+0.1% QoQ
|
-1.2K |
2,625
-2.2% YoY
|
7,762
+8.3% YoY
|
33,089
+6.1% YoY
|
39% |
| Assets |
$12.8M
-3.4% YoY-3.5% QoQ
|
$-17.1M |
$29.9M
+1.1% YoY
|
$104.3M
+13.0% YoY
|
$547.7M
+7.8% YoY
|
38% |
| Loans |
$4.7M
+0.5% YoY+5.6% QoQ
|
$-11.1M |
$15.8M
-2.4% YoY
|
$74.9M
+12.6% YoY
|
$388.7M
+8.6% YoY
|
32% |
| Deposits |
$9.8M
-5.8% YoY-4.7% QoQ
|
$-15.7M |
$25.5M
+0.4% YoY
|
$86.6M
+15.8% YoY
|
$464.6M
+9.3% YoY
|
36% |
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| ROA |
1.1%
+58.5% YoY-3.7% QoQ
|
+0.4% |
0.7%
-731.4% YoY
|
0.2%
-67.2% YoY
|
0.7%
+273.4% YoY
|
66% |
| NIM |
3.3%
+11.9% YoY+0.3% QoQ
|
-0.6% |
3.9%
+3.8% YoY
|
4.4%
+6.8% YoY
|
3.7%
+5.0% YoY
|
27% |
| Efficiency Ratio |
67.2%
-2.9% YoY+2.2% QoQ
|
-14.2% |
81.4%
-2.4% YoY
|
83.8%
+0.9% YoY
|
79.1%
-3.3% YoY
|
26% |
| Delinquency Rate |
0.1%
-71.8% YoY+129.9% QoQ
|
-1.4 |
1.5%
-2.0% YoY
|
1.5%
-12.0% YoY
|
1.2%
-0.9% YoY
|
18% |
| Loan To Share |
47.9%
+6.7% YoY+10.8% QoQ
|
-13.4% |
61.2%
-3.0% YoY
|
73.4%
-3.7% YoY
|
68.0%
-1.7% YoY
|
29% |
| AMR |
$9,948
-3.6% YoY-1.7% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$12,695
+3.6% YoY
|
$19,418
+1.3% YoY
|
28% |
| CD Concentration |
1.6%
+6.3% YoY+5.0% QoQ
|
-22.8% |
24.4%
+4.2% YoY
|
16.2%
+8.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.6%
-19.0% YoY
|
7.9%
-2.9% YoY
|
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)