BlastPoint's Credit Union Scorecard
BAPTIST HEALTH
Charter #12813 · AR
BAPTIST HEALTH has 5 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.15% above tier average
- + Asset Growth Rate: Top 1.5% in tier
- + AMR Growth Rate: Top 1.7% in tier
- + Deposit Growth Rate: Top 4.2% in tier
- + Total Members: Top 5.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.96% below tier average
- - Efficiency ratio 2.93% above tier (higher cost structure)
- - Delinquency rate 0.96% above tier average
- - Member decline: -13.2% YoY
- - Member Growth Rate: Bottom 3.4% in tier
- - Net Charge-Off Rate: Bottom 9.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,139
-13.2% YoY-0.3% QoQ
|
+4.5K |
2,615
-1.9% YoY
|
7,878
+8.0% YoY
|
33,374
+5.7% YoY
|
Top 5.2% in tier |
| Assets |
$46.0M
+21.1% YoY+0.5% QoQ
|
+$15.9M |
$30.1M
+2.1% YoY
|
$108.7M
+13.0% YoY
|
$561.6M
+9.7% YoY
|
75% |
| Loans |
$29.4M
+0.3% YoY-4.6% QoQ
|
+$13.7M |
$15.8M
-1.3% YoY
|
$78.6M
+14.7% YoY
|
$397.0M
+8.8% YoY
|
82% |
| Deposits |
$35.0M
+14.4% YoY-0.8% QoQ
|
+$9.3M |
$25.7M
+1.4% YoY
|
$88.8M
+14.2% YoY
|
$477.3M
+9.7% YoY
|
70% |
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| ROA |
-0.3%
-211.0% YoY-32.1% QoQ
|
-1.0% |
0.6%
+10.8% YoY
|
-0.1%
-109.5% YoY
|
0.7%
+15.9% YoY
|
Bottom 10.5% in tier |
| NIM |
4.1%
-7.6% YoY-5.3% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
4.2%
+0.9% YoY
|
3.8%
+5.1% YoY
|
59% |
| Efficiency Ratio |
85.5%
+8.4% YoY+2.0% QoQ
|
+2.9% |
82.6%
-2.3% YoY
|
86.1%
+2.0% YoY
|
79.7%
-3.3% YoY
|
65% |
| Delinquency Rate |
2.5%
-18.0% YoY+58.1% QoQ
|
+1.0 |
1.6%
-3.1% YoY
|
1.8%
+15.7% YoY
|
1.3%
-2.1% YoY
|
83% |
| Loan To Share |
84.1%
-12.3% YoY-3.8% QoQ
|
+23.5% |
60.6%
-3.1% YoY
|
73.6%
-2.9% YoY
|
67.4%
-1.7% YoY
|
84% |
| AMR |
$9,020
+23.8% YoY-2.2% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$12,676
+2.7% YoY
|
$19,687
+2.0% YoY
|
24% |
| CD Concentration |
19.9%
+57.4% YoY+5.8% QoQ
|
-4.5% | 24.4% | 15.6% | 19.8% | 50% |
| Indirect Auto % |
4.3%
-40.6% YoY-9.8% QoQ
|
-9.5% | 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)