BlastPoint's Credit Union Scorecard
UARK
Charter #16946 · AR
UARK has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.14% above tier average
- + Total Loans: Top 3.5% in tier
- + Total Members: Top 5.1% in tier
- + Total Deposits: Top 6.9% in tier
- + Total Assets: Top 7.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.34% below tier average
- - Member decline: -2.6% 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 -4.0% year over year ($70.0M in shares and deposits).
- Membership: 6,985 members, -2.6% vs a year ago.
- Delinquency rate 0.32%.
- Return on assets 1.16%.
- Efficiency ratio 76.46% vs a 88.77% peer average.
- Loan-to-share ratio 78.09% 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 |
6,985
-2.6% YoY-0.6% QoQ
|
+4.4K |
2,585
-1.7% YoY
|
8,161
+10.4% YoY
|
34,678
+6.6% YoY
|
Top 5.1% in tier |
| Assets |
$81.9M
-2.3% YoY+0.8% QoQ
|
+$51.7M |
$30.3M
+1.5% YoY
|
$115.8M
+17.0% YoY
|
$593.1M
+10.2% YoY
|
Top 7.0% in tier |
| Loans |
$54.7M
+5.4% YoY+2.7% QoQ
|
+$39.2M |
$15.5M
-1.7% YoY
|
$84.2M
+19.9% YoY
|
$418.6M
+10.1% YoY
|
Top 3.5% in tier |
| Deposits |
$70.0M
-4.0% YoY+0.4% QoQ
|
+$44.2M |
$25.8M
+1.1% YoY
|
$93.4M
+13.5% YoY
|
$504.8M
+10.3% YoY
|
Top 7.0% in tier |
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| ROA |
1.2%
+11.1% YoY-3.5% QoQ
|
-0.3% |
1.5%
+241.5% YoY
|
1.6%
+705.7% YoY
|
1.2%
+121.4% YoY
|
68% |
| NIM |
4.0%
+9.7% YoY-1.5% QoQ
|
+0.1% |
3.9%
+0.9% YoY
|
4.1%
-5.5% YoY
|
3.8%
+2.3% YoY
|
58% |
| Efficiency Ratio |
76.5%
+2.7% YoY+1.3% QoQ
|
-12.3% |
88.8%
-6.9% YoY
|
86.5%
+3.6% YoY
|
83.0%
-5.3% YoY
|
40% |
| Delinquency Rate |
0.3%
+20.3% YoY+50.4% QoQ
|
-1.2 |
1.5%
+2.1% YoY
|
1.9%
+36.9% YoY
|
1.3%
+2.6% YoY
|
33% |
| Loan To Share |
78.1%
+9.8% YoY+2.3% QoQ
|
+19.2% |
58.9%
-3.1% YoY
|
71.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
78% |
| AMR |
$17,845
+2.5% YoY+2.0% QoQ
|
+$3K |
$14,963
-6.8% YoY
|
$12,982
+3.9% YoY
|
$20,028
-0.9% YoY
|
68% |
| CD Concentration |
18.6%
-19.8% YoY+8.0% QoQ
|
-6.0% | 24.6% | 15.4% | 20.0% | 50% |
| Indirect Auto % |
2.9%
-46.5% YoY-19.8% QoQ
|
-10.7% | 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)