BlastPoint's Credit Union Scorecard
CLEARWAY
Charter #13762 · AR
CLEARWAY has 7 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.83% above tier average
- + Total Members: Top 2.3% in tier
- + Total Loans: Top 2.6% in tier
- + Fee Income Per Member: Top 5.9% in tier
- + Total Assets: Top 7.8% in tier
- + AMR Growth Rate: Top 8.6% in tier
- + Loan-to-Share Ratio: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.51% below tier average
- - Member decline: -5.3% YoY
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 2,437 credit unions with under $100M in assets nationally, and 1 of 42 that size in Arkansas.
- Shares and deposits +1.9% year over year ($63.7M in shares and deposits).
- Membership: 8,724 members, -5.3% vs a year ago.
- Delinquency rate 0.52%.
- Return on assets 0.98%.
- Efficiency ratio 83.89% vs a 88.77% peer average.
- Loan-to-share ratio 90.18% vs a 58.89% 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 |
8,724
-5.3% YoY-2.6% QoQ
|
+6.1K |
2,585
-1.7% YoY
|
8,161
+10.4% YoY
|
34,678
+6.6% YoY
|
Top 2.4% in tier |
| Assets |
$79.6M
+1.1% YoY-1.7% QoQ
|
+$49.4M |
$30.3M
+1.5% YoY
|
$115.8M
+17.0% YoY
|
$593.1M
+10.2% YoY
|
Top 7.9% in tier |
| Loans |
$57.5M
+8.4% YoY+2.9% QoQ
|
+$42.0M |
$15.5M
-1.7% YoY
|
$84.2M
+19.9% YoY
|
$418.6M
+10.1% YoY
|
Top 2.6% in tier |
| Deposits |
$63.7M
+1.9% YoY-1.4% QoQ
|
+$37.9M |
$25.8M
+1.1% YoY
|
$93.4M
+13.5% YoY
|
$504.8M
+10.3% YoY
|
Top 10.3% in tier |
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| ROA |
1.0%
-12.1% YoY+178.4% QoQ
|
-0.5% |
1.5%
+241.5% YoY
|
1.6%
+705.7% YoY
|
1.2%
+121.4% YoY
|
60% |
| NIM |
5.7%
-0.0% YoY+2.3% QoQ
|
+1.8% |
3.9%
+0.9% YoY
|
4.1%
-5.5% YoY
|
3.8%
+2.3% YoY
|
Top 4.9% in tier |
| Efficiency Ratio |
83.9%
+5.0% YoY-4.4% QoQ
|
-4.9% |
88.8%
-6.9% YoY
|
86.5%
+3.6% YoY
|
83.0%
-5.3% YoY
|
58% |
| Delinquency Rate |
0.5%
+33.9% YoY-36.7% QoQ
|
-1.0 |
1.5%
+2.1% YoY
|
1.9%
+36.9% YoY
|
1.3%
+2.6% YoY
|
43% |
| Loan To Share |
90.2%
+6.4% YoY+4.4% QoQ
|
+31.3% |
58.9%
-3.1% YoY
|
71.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
Top 9.2% in tier |
| AMR |
$13,896
+10.8% YoY+3.2% QoQ
|
$-1K |
$14,963
-6.8% YoY
|
$12,982
+3.9% YoY
|
$20,028
-0.9% YoY
|
50% |
| CD Concentration |
9.5%
+46.2% YoY+5.6% QoQ
|
-15.1% | 24.6% | 15.4% | 20.0% | 50% |
| Indirect Auto % |
2.3%
-37.6% YoY-11.9% QoQ
|
-11.3% | 13.6% | 2.2% | 7.7% | 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)