BlastPoint's Credit Union Scorecard

ARKANSAS BEST

Charter #13737 · AR

100M-500M

1024 CUs in 100M-500M nationally 3 in AR

ARKANSAS BEST faces 8 concerns requiring attention

National Analysis

How does the industry compare?

AR Analysis

How does AR stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 50.0% in tier
- Cost Spiral: 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
- Margin Compression: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.11% below 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 3 that size in Arkansas.
Shares and deposits -2.5% year over year ($120M in shares and deposits).
Membership: 11,348 members, -3.6% vs a year ago.
Delinquency rate 0.62%.
Return on assets 0.75%.
Efficiency ratio 80.58% vs a 76.73% peer average.
Loan-to-share ratio 47.06% vs a 71.54% 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	11,348 -3.6% YoY-0.8% QoQ	-3.8K	15,168 -2.6% YoY	8,161 +10.4% YoY	34,678 +6.6% YoY	40%
Assets	$144.0M -1.4% YoY-0.6% QoQ	$-88.0M	$232.0M +0.7% YoY	$115.8M +17.0% YoY	$593.1M +10.2% YoY	28%
Loans	$56.7M -5.0% YoY-1.1% QoQ	$-89.6M	$146.3M +0.2% YoY	$84.2M +19.9% YoY	$418.6M +10.1% YoY	Bottom 9.1% in tier
Deposits	$120.4M -2.5% YoY-0.9% QoQ	$-80.3M	$200.7M +0.2% YoY	$93.4M +13.5% YoY	$504.8M +10.3% YoY	24%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.8% -50.3% YoY-6.7% QoQ	-0.1%	0.9% +12.5% YoY	1.6% +705.7% YoY	1.2% +121.4% YoY	49%
NIM	3.3% +2.7% YoY+1.6% QoQ	-0.4%	3.7% +4.5% YoY	4.1% -5.5% YoY	3.8% +2.3% YoY	26%
Efficiency Ratio	80.6% +21.9% YoY+2.4% QoQ	+3.8%	76.7% -0.8% YoY	86.5% +3.6% YoY	83.0% -5.3% YoY	59%
Delinquency Rate	0.6% -3.4% YoY+148.4% QoQ	-0.3	0.9% +6.6% YoY	1.9% +36.9% YoY	1.3% +2.6% YoY	45%
Loan To Share	47.1% -2.5% YoY-0.2% QoQ	-24.5%	71.5% -0.3% YoY	71.8% -1.2% YoY	66.4% -1.4% YoY	Bottom 9.1% in tier
AMR	$15,604 +0.3% YoY-0.2% QoQ	$-10K	$25,107 +3.2% YoY	$12,982 +3.9% YoY	$20,028 -0.9% YoY	Bottom 11.3% in tier
CD Concentration	30.8% +1.0% YoY+1.1% QoQ	+6.3%	24.6%	15.4%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	2.2%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (7)

Stagnation Risk

risk

#113 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.63%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -4.98%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.62%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Cost Spiral

risk

#25 of 95 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 14.47% points

(Tier: -0.48% points, National: -3.74% points)

worse than tier avg

Efficiency Ratio (Prior Year): 66.11%

(Tier: 77.10%, National: 86.72%)

but better than tier avg

95 of 1024 Mid-Small & Community CUs have this signature | 106 nationally

↑ Growing +30 CUs YoY | New qualifier

Membership Headwinds

decline

#196 of 549 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -3.63%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Institutional Decline

decline

#107 of 230 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $143.98M

(Tier: $336.17M, National: $593.11M)

worse than tier avg

Member Growth (YoY): -3.63%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -4.98%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY | New qualifier

Liquidity Overhang

risk

#78 of 130 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 16.32%

(Tier: 12.53%, National: 14.66%)

but better than tier avg

Loan-to-Share Ratio: 47.06%

(Tier: 73.56%, National: 66.39%)

worse than tier avg

130 of 1024 Mid-Small & Community CUs have this signature | 148 nationally

↑ Growing +7 CUs YoY | New qualifier

Margin Compression

decline

#96 of 140 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.75%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

ROA (Prior Year): 1.51%

(Tier: 0.75%, National: 0.66%)

but better than tier avg

ROA Change (YoY): -0.76% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

140 of 1024 Mid-Small & Community CUs have this signature | 167 nationally

→ Stable (143→140 CUs) -3 CUs YoY | New qualifier

Efficiency Drag

risk

#520 of 531 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 80.58%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.76% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): -3.63%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 29.92%

#1 of 1024 Top 0.1% in 100M-500M tier

111

Net Worth Ratio

risk

Value: 16.32%

Peer Median: 11.71%

#111 of 1024 Top 10.7% in 100M-500M tier

Top Weaknesses (11 metrics)

965

Loan-to-Member Ratio (LMR)

engagement

Value: $4,993

Peer Median: $9,434

#965 of 1024 Bottom 5.9% in 100M-500M tier

955

Fee Income Per Member

profitability

Value: $76.48

Peer Median: $159.88

#955 of 1024 Bottom 6.8% in 100M-500M tier

939

Deposit Growth Rate

growth

Value: -2.53%

Peer Median: 3.58%

#939 of 1024 Bottom 8.4% in 100M-500M tier

931

Total Loans

balance_sheet

Value: $56.66M

Peer Median: $124.04M

#931 of 1024 Bottom 9.2% in 100M-500M tier

931

Loan-to-Share Ratio

balance_sheet

Value: 47.06%

Peer Median: 73.07%

#931 of 1024 Bottom 9.2% in 100M-500M tier

921

Loan Growth Rate

growth

Value: -4.98%

Peer Median: 3.02%

#921 of 1024 Bottom 10.2% in 100M-500M tier

914

Asset Growth Rate

growth

Value: -1.41%

Peer Median: 4.12%

#914 of 1024 Bottom 10.8% in 100M-500M tier

908

Average Member Relationship (AMR)

engagement

Value: $15,604

Peer Median: $23,006

#908 of 1024 Bottom 11.4% in 100M-500M tier

862

Member Growth Rate

growth

Value: -3.63%

Peer Median: -0.03%

#862 of 1024 Bottom 15.9% in 100M-500M tier

793

AMR Growth Rate

growth

Value: 0.32%

Peer Median: 3.53%

#793 of 1024 Bottom 22.7% in 100M-500M tier