ARKANSAS BEST

Charter #13737 | AR

100M-500M (1077 CUs) Micro
4 100M-500M in AR

ARKANSAS BEST has 4 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 17.0% in tier
  • + ROA 0.50% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + First Mortgage Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 3.4% in tier
  • - Stagnation Risk: Bottom 11.1% in tier
  • - Membership Headwinds: Bottom 16.9% in tier
  • - Institutional Decline: Bottom 29.6% in tier
  • - Member decline: -2.5% YoY
  • - Loan-to-Member Ratio (LMR): Bottom 6.5% in tier
  • - Deposit Growth Rate: Bottom 7.1% in tier
  • - Total Loans: Bottom 9.2% in tier
  • - Loan-to-Share Ratio: Bottom 9.8% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Members 11,693
-2.5% YoY-0.7% QoQ
 -3.9K 15,628
-3.4% YoY
 7,762
+8.3% YoY
 33,089
+6.1% YoY
 40th in tier
Assets $144.7M
-1.1% YoY-0.9% QoQ
 $-86.6M $231.3M
-0.0% YoY
 $104.3M
+13.0% YoY
 $547.7M
+7.8% YoY
 28th in tier
Loans $59.1M
-0.9% YoY-0.8% QoQ
 $-88.7M $147.8M
-1.4% YoY
 $74.9M
+12.6% YoY
 $388.7M
+8.6% YoY
 Bottom 9.1% in tier
Deposits $121.8M
-2.7% YoY-1.4% QoQ
 $-78.5M $200.3M
-0.0% YoY
 $86.6M
+15.8% YoY
 $464.6M
+9.3% YoY
 27th in tier
ROA 1.3%
+1081.6% YoY-15.0% QoQ
 +0.5% 0.8%
+15.5% YoY
 0.2%
-67.2% YoY
 0.7%
+273.4% YoY
 Top 18.2% in tier
NIM 3.3%
+14.8% YoY+2.8% QoQ
 -0.3% 3.6%
+6.9% YoY
 4.4%
+6.8% YoY
 3.7%
+5.0% YoY
 31st in tier
Efficiency Ratio 69.1%
-16.4% YoY+4.6% QoQ
 -8.1% 77.3%
-3.0% YoY
 83.8%
+0.9% YoY
 79.1%
-3.3% YoY
 Bottom 23.9% in tier
Delinquency Rate 0.5%
-49.9% YoY-21.8% QoQ
 -0.4 0.9%
+7.6% YoY
 1.5%
-12.0% YoY
 1.2%
-0.9% YoY
 38th in tier
Loan To Share 48.5%
+1.8% YoY+0.6% QoQ
 -24.2% 72.7%
-1.5% YoY
 73.4%
-3.7% YoY
 68.0%
-1.7% YoY
 Bottom 9.7% in tier
AMR $15,476
+0.3% YoY-0.5% QoQ
 $-9K $24,363
+2.9% YoY
 $12,695
+3.6% YoY
 $19,418
+1.3% YoY
 Bottom 12.0% in tier
CD Concentration 31.6%
+3.5% YoY+3.5% QoQ
 +7.2% 24.4%
+4.2% YoY
 16.2%
+8.1% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 2.6%
-19.0% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (1)

Emerging Performer

growth
#319 of 627 • Top 17.0% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.29%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): -2.47%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank improving

Concerns (4)

Liquidity Overhang

risk
#53 of 552 • Bottom 3.4% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 15.71%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 48.54%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank improving

Stagnation Risk

risk
#184 of 550 • Bottom 11.1% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 1.29%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -2.47%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $15.5K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 31.57%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Membership Headwinds

decline
#279 of 550 • Bottom 16.9% in tier

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

Why This Signature
Member Growth (YoY): -2.47%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Institutional Decline

decline
#234 of 256 • Bottom 29.6% in tier

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

Why This Signature
Total Assets: $144.66M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
Member Growth (YoY): -2.47%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -0.93%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 1077 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | Rank worsening

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)

Comparing against 1077 peers in tier

Top Strengths (6 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 30.43%
#1 of 1077 Top 0.0% in 100M-500M tier
134
Net Worth Ratio
risk
Value: 15.71%
Peer Avg: 12.15%
#134 of 1077 Top 12.3% in 100M-500M tier
196
Return on Assets (ROA)
profitability
Value: 1.29%
Peer Avg: 0.79%
#196 of 1077 Top 18.1% in 100M-500M tier
238
Members Per Employee (MPE)
engagement
Value: 389.767
Peer Avg: 332.881
#238 of 1077 Top 22.0% in 100M-500M tier
258
Efficiency Ratio
profitability
Value: 69.14%
Peer Avg: 77.28%
#258 of 1077 Top 23.9% in 100M-500M tier

Top Weaknesses (9 metrics)

1008
Loan-to-Member Ratio (LMR)
engagement
Value: $5,057
Peer Avg: $10,245
#1008 of 1077 Bottom 6.5% in 100M-500M tier
1001
Deposit Growth Rate
growth
Value: -2.72%
Peer Avg: 4.69%
#1001 of 1077 Bottom 7.1% in 100M-500M tier
979
Total Loans
balance_sheet
Value: $59.13M
Peer Avg: $147.80M
#979 of 1077 Bottom 9.2% in 100M-500M tier
972
Loan-to-Share Ratio
balance_sheet
Value: 48.54%
Peer Avg: 72.70%
#972 of 1077 Bottom 9.8% in 100M-500M tier
948
Average Member Relationship (AMR)
engagement
Value: $15,476
Peer Avg: $24,363
#948 of 1077 Bottom 12.1% in 100M-500M tier
933
Asset Growth Rate
growth
Value: -1.11%
Peer Avg: 4.70%
#933 of 1077 Bottom 13.5% in 100M-500M tier
841
Member Growth Rate
growth
Value: -2.47%
Peer Avg: 0.72%
#841 of 1077 Bottom 22.0% in 100M-500M tier
824
Share Certificate Concentration (%)
balance_sheet
Value: 31.57%
Peer Avg: 23.61%
#824 of 1077 Bottom 23.6% in 100M-500M tier
813
AMR Growth Rate
growth
Value: 0.33%
Peer Avg: 3.64%
#813 of 1077 Bottom 24.6% in 100M-500M tier