BlastPoint's Credit Union Scorecard
ARKANSAS BEST
Charter #13737 · AR
ARKANSAS BEST has 1 strength but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.37% above tier average
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Member decline: -2.9% YoY
- - Loan-to-Member Ratio (LMR): Bottom 6.6% in tier
- - Deposit Growth Rate: Bottom 7.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,571
-2.9% YoY-1.0% QoQ
|
-3.9K |
15,437
-2.9% YoY
|
7,878
+8.0% YoY
|
33,374
+5.7% YoY
|
40% |
| Assets |
$142.7M
-0.9% YoY-1.3% QoQ
|
$-89.1M |
$231.9M
+1.3% YoY
|
$108.7M
+13.0% YoY
|
$561.6M
+9.7% YoY
|
27% |
| Loans |
$59.8M
-0.9% YoY+1.2% QoQ
|
$-87.5M |
$147.3M
-0.1% YoY
|
$78.6M
+14.7% YoY
|
$397.0M
+8.8% YoY
|
Bottom 10.0% in tier |
| Deposits |
$119.6M
-2.5% YoY-1.8% QoQ
|
$-81.2M |
$200.8M
+0.8% YoY
|
$88.8M
+14.2% YoY
|
$477.3M
+9.7% YoY
|
25% |
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| ROA |
1.1%
+318.0% YoY-11.9% QoQ
|
+0.4% |
0.8%
+18.2% YoY
|
-0.1%
-109.5% YoY
|
0.7%
+15.9% YoY
|
76% |
| NIM |
3.3%
+13.4% YoY+2.1% QoQ
|
-0.3% |
3.6%
+6.7% YoY
|
4.2%
+0.9% YoY
|
3.8%
+5.1% YoY
|
34% |
| Efficiency Ratio |
71.3%
-13.0% YoY+3.1% QoQ
|
-5.7% |
77.0%
-3.1% YoY
|
86.1%
+2.0% YoY
|
79.7%
-3.3% YoY
|
29% |
| Delinquency Rate |
0.5%
-36.7% YoY+5.1% QoQ
|
-0.4 |
0.9%
+4.2% YoY
|
1.8%
+15.7% YoY
|
1.3%
-2.1% YoY
|
35% |
| Loan To Share |
50.0%
+1.6% YoY+3.0% QoQ
|
-22.2% |
72.2%
-1.1% YoY
|
73.6%
-2.9% YoY
|
67.4%
-1.7% YoY
|
Bottom 10.9% in tier |
| AMR |
$15,510
+0.9% YoY+0.2% QoQ
|
$-9K |
$24,676
+3.4% YoY
|
$12,676
+2.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 11.3% in tier |
| CD Concentration |
30.9%
+5.1% YoY-2.3% QoQ
|
+6.4% | 24.4% | 15.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.5% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)