BlastPoint's Credit Union Scorecard

ARKANSAS KRAFT EMPLOYEES

Charter #17849 · AR

<100M

2508 CUs in <100M nationally 43 in AR

ARKANSAS KRAFT EMPLOYEES demonstrates 2 strengths

National Analysis

How does the industry compare?

AR Analysis

How does AR stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.31% above tier average
+ Net Worth Ratio: Top 7.1% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Members	523 +1.2% YoY+0.6% QoQ	-2.2K	2,676 +1.6% YoY	7,947 +7.9% YoY	33,913 +5.7% YoY	Bottom 14.2% in tier
Assets	$4.5M +3.2% YoY+1.1% QoQ	$-25.7M	$30.2M +1.3% YoY	$111.4M +12.6% YoY	$578.3M +9.0% YoY	17%
Loans	$2.6M -15.4% YoY-7.1% QoQ	$-12.7M	$15.3M -2.0% YoY	$80.4M +16.0% YoY	$402.4M +8.7% YoY	22%
Deposits	$3.2M +3.6% YoY+1.4% QoQ	$-22.6M	$25.8M +0.7% YoY	$90.2M +11.4% YoY	$494.3M +9.1% YoY	16%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.5% -129.9% YoY+29.0% QoQ	+0.3%	0.1% -77.6% YoY	-4.0% +7873.5% YoY	0.4% -39.2% YoY	42%
NIM	3.5% +57.9% YoY+6.8% QoQ	-0.5%	4.0% +4.0% YoY	4.1% -8.1% YoY	3.8% +4.1% YoY	36%
Efficiency Ratio	87.0% -48.0% YoY-0.6% QoQ	-3.6%	90.6% +6.5% YoY	125.8% +36.6% YoY	84.6% +2.8% YoY	63%
Delinquency Rate	0.8% -31.2% QoQ	-0.7	1.5% +3.8% YoY	1.6% +18.4% YoY	1.2% +3.4% YoY	57%
Loan To Share	80.9% -18.4% YoY-8.4% QoQ	+22.4%	58.5% -3.0% YoY	70.8% -3.6% YoY	65.6% -1.4% YoY	83%
AMR	$11,023 -6.9% YoY-3.1% QoQ	$-4K	$14,884 -1.7% YoY	$12,879 +3.3% YoY	$19,920 +1.6% YoY	33%
CD Concentration	0.0%	-24.3%	24.3%	15.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

Share Certificate Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 12.45%

#1 of 2508 Top 0.1% in <100M tier

180

Net Worth Ratio

risk

Value: 28.33%

Peer Median: 14.28%

#180 of 2508 Top 7.1% in <100M tier

426

Loan-to-Share Ratio

balance_sheet

Value: 80.89%

Peer Median: 58.72%

#426 of 2508 Top 16.9% in <100M tier

510

Net Charge-Off Rate

risk

Value: 0.00%

Peer Median: 0.07%

#510 of 2508 Top 20.3% in <100M tier

561

Member Growth Rate

growth

Value: 1.16%

Peer Median: -1.37%

#561 of 2508 Top 22.3% in <100M tier

Top Weaknesses (8 metrics)

2227

Loan Growth Rate

growth

Value: -15.43%

Peer Median: -2.36%

#2227 of 2508 Bottom 11.2% in <100M tier

2210

Members Per Employee (MPE)

engagement

Value: 174.333

Peer Median: 333.750

#2210 of 2508 Bottom 11.9% in <100M tier

2206

AMR Growth Rate

growth

Value: -6.95%

Peer Median: 1.27%

#2206 of 2508 Bottom 12.1% in <100M tier

2153

Total Members

engagement

Value: 523

Peer Median: 1,918

#2153 of 2508 Bottom 14.2% in <100M tier

2103

Total Deposits

balance_sheet

Value: $3.19M

Peer Median: $18.77M

#2103 of 2508 Bottom 16.2% in <100M tier

2078

Total Assets

balance_sheet

Value: $4.46M

Peer Median: $21.86M

#2078 of 2508 Bottom 17.2% in <100M tier

2059

Fee Income Per Member

profitability

Value: $8.34

Peer Median: $60.42

#2059 of 2508 Bottom 17.9% in <100M tier

1964

Total Loans

balance_sheet

Value: $2.58M

Peer Median: $9.48M

#1964 of 2508 Bottom 21.7% in <100M tier