BlastPoint's Credit Union Scorecard
FORT SMITH TEACHERS
Charter #1248 · AR
FORT SMITH TEACHERS faces 2 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.49% below tier average
- - Member decline: -3.0% YoY
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 -2.1% year over year ($10.0M in shares and deposits).
- Membership: 1,406 members, -3.0% vs a year ago.
- Delinquency rate 0.31%.
- Return on assets 1.00%.
- Efficiency ratio 62.81% vs a 88.77% peer average.
- Loan-to-share ratio 41.52% 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 |
1,406
-3.0% YoY-0.9% QoQ
|
-1.2K |
2,585
-1.7% YoY
|
8,161
+10.4% YoY
|
34,678
+6.6% YoY
|
38% |
| Assets |
$13.1M
-0.5% YoY+2.0% QoQ
|
$-17.1M |
$30.3M
+1.5% YoY
|
$115.8M
+17.0% YoY
|
$593.1M
+10.2% YoY
|
38% |
| Loans |
$4.2M
-5.9% YoY-2.8% QoQ
|
$-11.3M |
$15.5M
-1.7% YoY
|
$84.2M
+19.9% YoY
|
$418.6M
+10.1% YoY
|
30% |
| Deposits |
$10.0M
-2.1% YoY+2.2% QoQ
|
$-15.8M |
$25.8M
+1.1% YoY
|
$93.4M
+13.5% YoY
|
$504.8M
+10.3% YoY
|
36% |
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| ROA |
1.0%
-12.0% YoY+49.9% QoQ
|
-0.5% |
1.5%
+241.5% YoY
|
1.6%
+705.7% YoY
|
1.2%
+121.4% YoY
|
61% |
| NIM |
3.7%
+11.5% YoY-0.8% QoQ
|
-0.2% |
3.9%
+0.9% YoY
|
4.1%
-5.5% YoY
|
3.8%
+2.3% YoY
|
40% |
| Efficiency Ratio |
62.8%
-4.5% YoY+1.8% QoQ
|
-26.0% |
88.8%
-6.9% YoY
|
86.5%
+3.6% YoY
|
83.0%
-5.3% YoY
|
Top 14.7% in tier |
| Delinquency Rate |
0.3%
-21.3% QoQ
|
-1.2 |
1.5%
+2.1% YoY
|
1.9%
+36.9% YoY
|
1.3%
+2.6% YoY
|
32% |
| Loan To Share |
41.5%
-3.9% YoY-4.8% QoQ
|
-17.4% |
58.9%
-3.1% YoY
|
71.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
24% |
| AMR |
$10,094
-0.3% YoY+1.6% QoQ
|
$-5K |
$14,963
-6.8% YoY
|
$12,982
+3.9% YoY
|
$20,028
-0.9% YoY
|
28% |
| CD Concentration |
1.5%
-1.6% YoY-5.8% QoQ
|
-23.0% | 24.6% | 15.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 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)