BlastPoint's Credit Union Scorecard
ARKANSAS BEST
Charter #13737 · AR
ARKANSAS BEST has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.08% above tier average
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
- - Efficiency ratio 0.65% above tier (higher cost structure)
- - Member decline: -3.2% YoY
- - Loan-to-Member Ratio (LMR): Bottom 6.2% in tier
- - Deposit Growth Rate: Bottom 6.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,439
-3.2% YoY-1.1% QoQ
|
-3.7K |
15,145
-2.5% YoY
|
7,947
+7.9% YoY
|
33,913
+5.7% YoY
|
41% |
| Assets |
$144.9M
-1.8% YoY+1.5% QoQ
|
$-86.8M |
$231.7M
+0.8% YoY
|
$111.4M
+12.6% YoY
|
$578.3M
+9.0% YoY
|
28% |
| Loans |
$57.3M
-3.1% YoY-4.2% QoQ
|
$-86.8M |
$144.1M
+0.2% YoY
|
$80.4M
+16.0% YoY
|
$402.4M
+8.7% YoY
|
Bottom 9.4% in tier |
| Deposits |
$121.5M
-3.6% YoY+1.6% QoQ
|
$-79.6M |
$201.1M
+0.4% YoY
|
$90.2M
+11.4% YoY
|
$494.3M
+9.1% YoY
|
25% |
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| ROA |
0.8%
+17.1% YoY-28.9% QoQ
|
+0.1% |
0.7%
+5.1% YoY
|
-4.0%
+7873.5% YoY
|
0.4%
-39.2% YoY
|
58% |
| NIM |
3.2%
+3.0% YoY-3.6% QoQ
|
-0.4% |
3.6%
+4.6% YoY
|
4.1%
-8.1% YoY
|
3.8%
+4.1% YoY
|
26% |
| Efficiency Ratio |
78.7%
-3.4% YoY+10.4% QoQ
|
+0.7% |
78.0%
-1.7% YoY
|
125.8%
+36.6% YoY
|
84.6%
+2.8% YoY
|
50% |
| Delinquency Rate |
0.3%
-58.7% YoY-52.7% QoQ
|
-0.5 |
0.8%
+7.1% YoY
|
1.6%
+18.4% YoY
|
1.2%
+3.4% YoY
|
18% |
| Loan To Share |
47.2%
+0.4% YoY-5.7% QoQ
|
-23.3% |
70.4%
-0.4% YoY
|
70.8%
-3.6% YoY
|
65.6%
-1.4% YoY
|
Bottom 9.0% in tier |
| AMR |
$15,635
-0.2% YoY+0.8% QoQ
|
$-9K |
$24,918
+2.7% YoY
|
$12,879
+3.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 11.6% in tier |
| CD Concentration |
30.5%
+1.2% YoY-1.2% QoQ
|
+6.2% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)