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 0.47% above tier average
- + Members Per Employee (MPE): Top 3.2% in tier
- + Efficiency Ratio: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Average Member Relationship (AMR): Bottom 4.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
23,351
+0.4% YoY+0.7% QoQ
|
+8.2K |
15,145
-2.5% YoY
|
7,947
+7.9% YoY
|
33,913
+5.7% YoY
|
Top 14.8% in tier |
| Assets |
$217.2M
+5.2% YoY+3.2% QoQ
|
$-14.5M |
$231.7M
+0.8% YoY
|
$111.4M
+12.6% YoY
|
$578.3M
+9.0% YoY
|
56% |
| Loans |
$126.9M
+2.3% YoY+1.9% QoQ
|
$-17.2M |
$144.1M
+0.2% YoY
|
$80.4M
+16.0% YoY
|
$402.4M
+8.7% YoY
|
53% |
| Deposits |
$185.2M
+3.4% YoY+3.6% QoQ
|
$-16.0M |
$201.1M
+0.4% YoY
|
$90.2M
+11.4% YoY
|
$494.3M
+9.1% YoY
|
54% |
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| ROA |
1.2%
+101.3% YoY-16.4% QoQ
|
+0.5% |
0.7%
+5.1% YoY
|
-4.0%
+7873.5% YoY
|
0.4%
-39.2% YoY
|
79% |
| NIM |
3.5%
+6.6% YoY+3.6% QoQ
|
-0.1% |
3.6%
+4.6% YoY
|
4.1%
-8.1% YoY
|
3.8%
+4.1% YoY
|
42% |
| Efficiency Ratio |
61.3%
-9.5% YoY-1.2% QoQ
|
-16.7% |
78.0%
-1.7% YoY
|
125.8%
+36.6% YoY
|
84.6%
+2.8% YoY
|
Top 9.9% in tier |
| Delinquency Rate |
0.6%
+0.2% YoY-32.2% QoQ
|
-0.1 |
0.8%
+7.1% YoY
|
1.6%
+18.4% YoY
|
1.2%
+3.4% YoY
|
53% |
| Loan To Share |
68.5%
-1.1% YoY-1.7% QoQ
|
-1.9% |
70.4%
-0.4% YoY
|
70.8%
-3.6% YoY
|
65.6%
-1.4% YoY
|
43% |
| AMR |
$13,365
+2.5% YoY+2.2% QoQ
|
$-12K |
$24,918
+2.7% YoY
|
$12,879
+3.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 4.3% in tier |
| CD Concentration |
25.6%
-9.2% YoY-6.4% QoQ
|
+1.4% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % |
6.9%
-22.0% YoY-6.9% QoQ
|
-6.9% | 13.8% | 2.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)