BlastPoint's Credit Union Scorecard
BAPTIST HEALTH
Charter #12813 · AR
BAPTIST HEALTH has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.53% above tier average
- + Strong member growth: 5.1% YoY
- + Asset Growth Rate: Top 1.2% in tier
- + Total Members: Top 4.8% in tier
- + Deposit Growth Rate: Top 6.1% in tier
- + Member Growth Rate: Top 6.8% in tier
Key Concerns
Areas that may need attention
- - ROA 1.47% below tier average
- - Efficiency ratio 5.79% above tier (higher cost structure)
- - Delinquency rate 0.30% above tier average
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 +11.8% year over year ($34.6M in shares and deposits).
- Membership: 7,086 members, +5.1% vs a year ago.
- Delinquency rate 1.84%.
- Return on assets 0.02%.
- Efficiency ratio 94.56% vs a 88.77% peer average.
- Loan-to-share ratio 77.56% 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 |
7,086
+5.1% YoY-0.2% QoQ
|
+4.5K |
2,585
-1.7% YoY
|
8,161
+10.4% YoY
|
34,678
+6.6% YoY
|
Top 4.8% in tier |
| Assets |
$45.4M
+19.1% YoY-2.5% QoQ
|
+$15.1M |
$30.3M
+1.5% YoY
|
$115.8M
+17.0% YoY
|
$593.1M
+10.2% YoY
|
74% |
| Loans |
$26.9M
+0.7% YoY-3.2% QoQ
|
+$11.4M |
$15.5M
-1.7% YoY
|
$84.2M
+19.9% YoY
|
$418.6M
+10.1% YoY
|
80% |
| Deposits |
$34.6M
+11.8% YoY-3.0% QoQ
|
+$8.8M |
$25.8M
+1.1% YoY
|
$93.4M
+13.5% YoY
|
$504.8M
+10.3% YoY
|
69% |
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| ROA |
0.0%
-101.7% YoY-93.2% QoQ
|
-1.5% |
1.5%
+241.5% YoY
|
1.6%
+705.7% YoY
|
1.2%
+121.4% YoY
|
Bottom 1.2% in tier |
| NIM |
4.4%
-2.5% YoY+0.3% QoQ
|
+0.5% |
3.9%
+0.9% YoY
|
4.1%
-5.5% YoY
|
3.8%
+2.3% YoY
|
74% |
| Efficiency Ratio |
94.6%
+6.5% YoY+3.8% QoQ
|
+5.8% |
88.8%
-6.9% YoY
|
86.5%
+3.6% YoY
|
83.0%
-5.3% YoY
|
80% |
| Delinquency Rate |
1.8%
-1.5% YoY+3.9% QoQ
|
+0.3 |
1.5%
+2.1% YoY
|
1.9%
+36.9% YoY
|
1.3%
+2.6% YoY
|
76% |
| Loan To Share |
77.6%
-9.9% YoY-0.3% QoQ
|
+18.7% |
58.9%
-3.1% YoY
|
71.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
78% |
| AMR |
$8,677
+1.5% YoY-2.9% QoQ
|
$-6K |
$14,963
-6.8% YoY
|
$12,982
+3.9% YoY
|
$20,028
-0.9% YoY
|
21% |
| CD Concentration |
17.4%
+31.8% YoY-14.8% QoQ
|
-7.1% | 24.6% | 15.4% | 20.0% | 50% |
| Indirect Auto % |
3.6%
-41.6% YoY-10.7% QoQ
|
-10.0% | 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)