BlastPoint's Credit Union Scorecard
DIAMOND LAKES
Charter #13762 · AR
DIAMOND LAKES demonstrates 6 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.29% above tier average
- + Net Interest Margin 1.90% above tier average
- + Total Members: Top 2.1% in tier
- + Total Loans: Top 3.3% in tier
- + Total Assets: Top 8.2% in tier
- + Fee Income Per Member: Top 9.1% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,151
+0.1% YoY-0.2% QoQ
|
+6.5K |
2,615
-1.9% YoY
|
7,878
+8.0% YoY
|
33,374
+5.7% YoY
|
Top 2.1% in tier |
| Assets |
$78.7M
+2.5% YoY+2.3% QoQ
|
+$48.6M |
$30.1M
+2.1% YoY
|
$108.7M
+13.0% YoY
|
$561.6M
+9.7% YoY
|
Top 8.3% in tier |
| Loans |
$55.4M
+6.6% YoY+2.2% QoQ
|
+$39.7M |
$15.8M
-1.3% YoY
|
$78.6M
+14.7% YoY
|
$397.0M
+8.8% YoY
|
Top 3.4% in tier |
| Deposits |
$62.8M
+3.4% YoY+3.5% QoQ
|
+$37.1M |
$25.7M
+1.4% YoY
|
$88.8M
+14.2% YoY
|
$477.3M
+9.7% YoY
|
Top 10.7% in tier |
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| ROA |
0.9%
-31.4% YoY-7.7% QoQ
|
+0.3% |
0.6%
+10.8% YoY
|
-0.1%
-109.5% YoY
|
0.7%
+15.9% YoY
|
62% |
| NIM |
5.9%
+0.5% YoY+0.3% QoQ
|
+1.9% |
4.0%
+4.0% YoY
|
4.2%
+0.9% YoY
|
3.8%
+5.1% YoY
|
Top 4.6% in tier |
| Efficiency Ratio |
80.2%
+2.3% YoY-0.1% QoQ
|
-2.4% |
82.6%
-2.3% YoY
|
86.1%
+2.0% YoY
|
79.7%
-3.3% YoY
|
51% |
| Delinquency Rate |
0.8%
+134.3% YoY+34.7% QoQ
|
-0.8 |
1.6%
-3.1% YoY
|
1.8%
+15.7% YoY
|
1.3%
-2.1% YoY
|
52% |
| Loan To Share |
88.3%
+3.1% YoY-1.2% QoQ
|
+27.7% |
60.6%
-3.1% YoY
|
73.6%
-2.9% YoY
|
67.4%
-1.7% YoY
|
Top 11.9% in tier |
| AMR |
$12,920
+4.8% YoY+3.1% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$12,676
+2.7% YoY
|
$19,687
+2.0% YoY
|
45% |
| CD Concentration |
7.3%
+67.0% YoY+13.7% QoQ
|
-17.2% | 24.4% | 15.6% | 19.8% | 50% |
| Indirect Auto % |
2.8%
-27.0% YoY-14.8% QoQ
|
-10.9% | 13.8% | 2.5% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)