BlastPoint's Credit Union Scorecard
ARKANSAS BEST
Charter #13737 · AR
ARKANSAS BEST has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Profitability Leader: Top 69.0% 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
- - 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
|
40% |
| 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
|
28% |
| 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
|
27% |
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| 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
|
82% |
| 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
|
31% |
| 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
|
24% |
| 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
|
38% |
| 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
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.6%
-19.0% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (3)
Stagnation Risk
riskMembership declining year-over-year. Shrinking 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.
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)