BlastPoint's Credit Union Scorecard
PINE
Charter #12601 · AR
PINE has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.63% above tier average
- + Net Interest Margin 0.34% above tier average
Key Concerns
Areas that may need attention
- - Delinquency rate 0.96% above tier average
- - Member decline: -3.4% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,802
-3.4% YoY-1.3% QoQ
|
+2.2K |
2,615
-1.9% YoY
|
7,878
+8.0% YoY
|
33,374
+5.7% YoY
|
85% |
| Assets |
$62.8M
+1.6% YoY-0.0% QoQ
|
+$32.7M |
$30.1M
+2.1% YoY
|
$108.7M
+13.0% YoY
|
$561.6M
+9.7% YoY
|
84% |
| Loans |
$31.0M
-5.1% YoY-1.1% QoQ
|
+$15.3M |
$15.8M
-1.3% YoY
|
$78.6M
+14.7% YoY
|
$397.0M
+8.8% YoY
|
83% |
| Deposits |
$47.7M
+0.4% YoY-0.2% QoQ
|
+$22.0M |
$25.7M
+1.4% YoY
|
$88.8M
+14.2% YoY
|
$477.3M
+9.7% YoY
|
80% |
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| ROA |
1.3%
-5.9% YoY-5.9% QoQ
|
+0.6% |
0.6%
+10.8% YoY
|
-0.1%
-109.5% YoY
|
0.7%
+15.9% YoY
|
76% |
| NIM |
4.3%
-0.1% YoY-0.9% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
4.2%
+0.9% YoY
|
3.8%
+5.1% YoY
|
66% |
| Efficiency Ratio |
67.7%
+3.5% YoY+2.3% QoQ
|
-14.9% |
82.6%
-2.3% YoY
|
86.1%
+2.0% YoY
|
79.7%
-3.3% YoY
|
23% |
| Delinquency Rate |
2.5%
+3.3% YoY+11.2% QoQ
|
+1.0 |
1.6%
-3.1% YoY
|
1.8%
+15.7% YoY
|
1.3%
-2.1% YoY
|
83% |
| Loan To Share |
65.0%
-5.5% YoY-0.9% QoQ
|
+4.4% |
60.6%
-3.1% YoY
|
73.6%
-2.9% YoY
|
67.4%
-1.7% YoY
|
56% |
| AMR |
$16,399
+1.6% YoY+0.8% QoQ
|
+$2K |
$14,783
-1.4% YoY
|
$12,676
+2.7% YoY
|
$19,687
+2.0% YoY
|
64% |
| CD Concentration |
14.3%
-4.1% YoY+2.1% QoQ
|
-10.1% | 24.4% | 15.6% | 19.8% | 50% |
| Indirect Auto % |
3.3%
-30.5% YoY-11.4% QoQ
|
-10.5% | 13.8% | 2.5% | 7.8% | 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)