BlastPoint's Credit Union Scorecard

PINE

Charter #12601 · AR

<100M

2508 CUs in <100M nationally 43 in AR

PINE has 2 strengths but faces 1 concern

National Analysis

How does the industry compare?

AR Analysis

How does AR stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 1.20% above tier average
+ Net Interest Margin 0.05% above tier average

Key Concerns

Areas that may need attention

- Member decline: -3.5% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Members	4,778 -3.5% YoY-0.5% QoQ	+2.1K	2,676 +1.6% YoY	7,947 +7.9% YoY	33,913 +5.7% YoY	Top 14.9% in tier
Assets	$63.0M +0.3% YoY+0.3% QoQ	+$32.8M	$30.2M +1.3% YoY	$111.4M +12.6% YoY	$578.3M +9.0% YoY	84%
Loans	$30.0M -4.7% YoY-3.2% QoQ	+$14.7M	$15.3M -2.0% YoY	$80.4M +16.0% YoY	$402.4M +8.7% YoY	83%
Deposits	$47.7M -1.2% YoY-0.1% QoQ	+$21.9M	$25.8M +0.7% YoY	$90.2M +11.4% YoY	$494.3M +9.1% YoY	80%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.4% -4.1% YoY+7.7% QoQ	+1.2%	0.1% -77.6% YoY	-4.0% +7873.5% YoY	0.4% -39.2% YoY	81%
NIM	4.1% -6.1% YoY-5.4% QoQ	+0.1%	4.0% +4.0% YoY	4.1% -8.1% YoY	3.8% +4.1% YoY	61%
Efficiency Ratio	73.9% +11.2% YoY+9.2% QoQ	-16.7%	90.6% +6.5% YoY	125.8% +36.6% YoY	84.6% +2.8% YoY	33%
Delinquency Rate	1.4% -35.9% YoY-45.9% QoQ	-0.1	1.5% +3.8% YoY	1.6% +18.4% YoY	1.2% +3.4% YoY	72%
Loan To Share	63.0% -3.5% YoY-3.2% QoQ	+4.5%	58.5% -3.0% YoY	70.8% -3.6% YoY	65.6% -1.4% YoY	57%
AMR	$16,263 +0.9% YoY-0.8% QoQ	+$1K	$14,884 -1.7% YoY	$12,879 +3.3% YoY	$19,920 +1.6% YoY	62%
CD Concentration	12.8% -10.5% YoY-10.5% QoQ	-11.4%	24.3%	15.4%	19.8%	50%
Indirect Auto %	2.9% -35.5% YoY-12.2% QoQ	-10.9%	13.8%	2.4%	7.7%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (6 metrics)

303

Net Worth Ratio

risk

Value: 24.22%

Peer Median: 14.28%

#303 of 2508 Top 12.0% in <100M tier

372

Total Members

engagement

Value: 4,778

Peer Median: 1,918

#372 of 2508 Top 14.8% in <100M tier

393

Total Assets

balance_sheet

Value: $63.00M

Peer Median: $21.86M

#393 of 2508 Top 15.6% in <100M tier

424

Total Loans

balance_sheet

Value: $30.02M

Peer Median: $9.48M

#424 of 2508 Top 16.9% in <100M tier

473

Return on Assets (ROA)

profitability

Value: 1.35%

Peer Median: 0.61%

#473 of 2508 Top 18.8% in <100M tier

491

Total Deposits

balance_sheet

Value: $47.68M

Peer Median: $18.77M

#491 of 2508 Top 19.5% in <100M tier

Top Weaknesses (2 metrics)

2211

Indirect Auto Concentration (%)

balance_sheet

Value: 2.86%

Peer Median: 0.00%

#2211 of 2508 Bottom 11.9% in <100M tier

2128

Net Charge-Off Rate

risk

Value: 0.92%

Peer Median: 0.07%

#2128 of 2508 Bottom 15.2% in <100M tier