BlastPoint's Credit Union Scorecard
SUCCESS
Charter #12808 · AR
SUCCESS has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.68% above tier average
- + Members Per Employee (MPE): Top 5.7% in tier
- + Efficiency Ratio: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 48.1% in tier
- - Delinquency rate 0.05% above tier average
- - Average Member Relationship (AMR): Bottom 4.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
23,197
-0.3% YoY-0.1% QoQ
|
+7.8K |
15,437
-2.9% YoY
|
7,878
+8.0% YoY
|
33,374
+5.7% YoY
|
84% |
| Assets |
$210.6M
+9.1% YoY+0.1% QoQ
|
$-21.3M |
$231.9M
+1.3% YoY
|
$108.7M
+13.0% YoY
|
$561.6M
+9.7% YoY
|
54% |
| Loans |
$124.5M
-0.2% YoY+0.9% QoQ
|
$-22.8M |
$147.3M
-0.1% YoY
|
$78.6M
+14.7% YoY
|
$397.0M
+8.8% YoY
|
50% |
| Deposits |
$178.7M
+6.9% YoY-0.5% QoQ
|
$-22.1M |
$200.8M
+0.8% YoY
|
$88.8M
+14.2% YoY
|
$477.3M
+9.7% YoY
|
52% |
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| ROA |
1.4%
+46.4% YoY+11.4% QoQ
|
+0.7% |
0.8%
+18.2% YoY
|
-0.1%
-109.5% YoY
|
0.7%
+15.9% YoY
|
Top 12.3% in tier |
| NIM |
3.4%
+6.9% YoY+2.4% QoQ
|
-0.2% |
3.6%
+6.7% YoY
|
4.2%
+0.9% YoY
|
3.8%
+5.1% YoY
|
36% |
| Efficiency Ratio |
62.1%
-7.0% YoY-2.1% QoQ
|
-14.9% |
77.0%
-3.1% YoY
|
86.1%
+2.0% YoY
|
79.7%
-3.3% YoY
|
Bottom 9.7% in tier |
| Delinquency Rate |
0.9%
+29.9% YoY+71.3% QoQ
|
+0.0 |
0.9%
+4.2% YoY
|
1.8%
+15.7% YoY
|
1.3%
-2.1% YoY
|
66% |
| Loan To Share |
69.7%
-6.6% YoY+1.5% QoQ
|
-2.5% |
72.2%
-1.1% YoY
|
73.6%
-2.9% YoY
|
67.4%
-1.7% YoY
|
41% |
| AMR |
$13,072
+4.1% YoY+0.1% QoQ
|
$-12K |
$24,676
+3.4% YoY
|
$12,676
+2.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 4.3% in tier |
| CD Concentration |
27.4%
-3.7% YoY+3.2% QoQ
|
+3.0% | 24.4% | 15.6% | 19.8% | 50% |
| Indirect Auto % |
7.4%
-18.6% YoY-7.7% QoQ
|
-6.4% | 13.8% | 2.5% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (1)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)