BlastPoint's Credit Union Scorecard
UARK
Charter #16946 · AR
UARK has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.55% above tier average
- + Total Loans: Top 4.1% in tier
- + Total Members: Top 5.5% in tier
- + Total Deposits: Top 6.3% in tier
- + Total Assets: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - Member decline: -4.3% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,014
-4.3% YoY-1.4% QoQ
|
+4.4K |
2,615
-1.9% YoY
|
7,878
+8.0% YoY
|
33,374
+5.7% YoY
|
Top 5.6% in tier |
| Assets |
$83.3M
-0.4% YoY+0.4% QoQ
|
+$53.2M |
$30.1M
+2.1% YoY
|
$108.7M
+13.0% YoY
|
$561.6M
+9.7% YoY
|
Top 6.5% in tier |
| Loans |
$52.8M
+1.5% YoY+0.7% QoQ
|
+$37.1M |
$15.8M
-1.3% YoY
|
$78.6M
+14.7% YoY
|
$397.0M
+8.8% YoY
|
Top 4.2% in tier |
| Deposits |
$71.6M
-2.1% YoY-0.2% QoQ
|
+$45.9M |
$25.7M
+1.4% YoY
|
$88.8M
+14.2% YoY
|
$477.3M
+9.7% YoY
|
Top 6.3% in tier |
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| ROA |
1.2%
+51.8% YoY-2.4% QoQ
|
+0.5% |
0.6%
+10.8% YoY
|
-0.1%
-109.5% YoY
|
0.7%
+15.9% YoY
|
73% |
| NIM |
3.8%
+15.1% YoY+0.9% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
4.2%
+0.9% YoY
|
3.8%
+5.1% YoY
|
46% |
| Efficiency Ratio |
72.8%
-12.4% YoY+0.2% QoQ
|
-9.7% |
82.6%
-2.3% YoY
|
86.1%
+2.0% YoY
|
79.7%
-3.3% YoY
|
33% |
| Delinquency Rate |
0.5%
-17.2% YoY-47.2% QoQ
|
-1.1 |
1.6%
-3.1% YoY
|
1.8%
+15.7% YoY
|
1.3%
-2.1% YoY
|
39% |
| Loan To Share |
73.8%
+3.6% YoY+0.9% QoQ
|
+13.2% |
60.6%
-3.1% YoY
|
73.6%
-2.9% YoY
|
67.4%
-1.7% YoY
|
69% |
| AMR |
$17,748
+3.9% YoY+1.7% QoQ
|
+$3K |
$14,783
-1.4% YoY
|
$12,676
+2.7% YoY
|
$19,687
+2.0% YoY
|
69% |
| CD Concentration |
16.2%
-39.3% YoY-31.5% QoQ
|
-8.2% | 24.4% | 15.6% | 19.8% | 50% |
| Indirect Auto % |
4.2%
-43.2% YoY-14.0% QoQ
|
-9.6% | 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)