BlastPoint's Credit Union Scorecard
BAPTIST HEALTH
Charter #12813 · AR
BAPTIST HEALTH has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.13% above tier average
- + Net Interest Margin 0.41% above tier average
- + Asset Growth Rate: Top 1.4% in tier
- + AMR Growth Rate: Top 1.9% in tier
- + Deposit Growth Rate: Top 4.6% in tier
- + Total Members: Top 4.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 0.49% above tier (higher cost structure)
- - Delinquency rate 0.27% above tier average
- - Member decline: -14.0% YoY
- - Member Growth Rate: Bottom 3.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,099
-14.0% YoY-0.6% QoQ
|
+4.4K |
2,676
+1.6% YoY
|
7,947
+7.9% YoY
|
33,913
+5.7% YoY
|
Top 5.0% in tier |
| Assets |
$46.6M
+20.2% YoY+1.1% QoQ
|
+$16.4M |
$30.2M
+1.3% YoY
|
$111.4M
+12.6% YoY
|
$578.3M
+9.0% YoY
|
75% |
| Loans |
$27.8M
+1.5% YoY-5.7% QoQ
|
+$12.5M |
$15.3M
-2.0% YoY
|
$80.4M
+16.0% YoY
|
$402.4M
+8.7% YoY
|
81% |
| Deposits |
$35.7M
+13.3% YoY+2.0% QoQ
|
+$9.9M |
$25.8M
+0.7% YoY
|
$90.2M
+11.4% YoY
|
$494.3M
+9.1% YoY
|
70% |
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| ROA |
0.3%
-117.5% YoY-179.2% QoQ
|
+0.1% |
0.1%
-77.6% YoY
|
-4.0%
+7873.5% YoY
|
0.4%
-39.2% YoY
|
34% |
| NIM |
4.4%
-3.5% YoY+7.5% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
4.1%
-8.1% YoY
|
3.8%
+4.1% YoY
|
74% |
| Efficiency Ratio |
91.1%
-0.0% YoY+6.6% QoQ
|
+0.5% |
90.6%
+6.5% YoY
|
125.8%
+36.6% YoY
|
84.6%
+2.8% YoY
|
71% |
| Delinquency Rate |
1.8%
-30.2% YoY-29.5% QoQ
|
+0.3 |
1.5%
+3.8% YoY
|
1.6%
+18.4% YoY
|
1.2%
+3.4% YoY
|
78% |
| Loan To Share |
77.8%
-10.5% YoY-7.5% QoQ
|
+19.3% |
58.5%
-3.0% YoY
|
70.8%
-3.6% YoY
|
65.6%
-1.4% YoY
|
79% |
| AMR |
$8,936
+25.4% YoY-0.9% QoQ
|
$-6K |
$14,884
-1.7% YoY
|
$12,879
+3.3% YoY
|
$19,920
+1.6% YoY
|
23% |
| CD Concentration |
20.4%
+55.7% YoY+2.6% QoQ
|
-3.8% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % |
4.0%
-41.1% YoY-5.7% QoQ
|
-9.8% | 13.8% | 2.4% | 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)