BlastPoint's Credit Union Scorecard
ARKANSAS KRAFT EMPLOYEES
Charter #17849 · AR
ARKANSAS KRAFT EMPLOYEES has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 7.2% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.26% below tier average
- - Efficiency ratio 5.03% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
520
+0.4% YoY0% QoQ
|
-2.1K |
2,615
-1.9% YoY
|
7,878
+8.0% YoY
|
33,374
+5.7% YoY
|
Bottom 14.0% in tier |
| Assets |
$4.4M
-0.1% YoY-2.0% QoQ
|
$-25.7M |
$30.1M
+2.1% YoY
|
$108.7M
+13.0% YoY
|
$561.6M
+9.7% YoY
|
17% |
| Loans |
$2.8M
-2.1% YoY-1.3% QoQ
|
$-13.0M |
$15.8M
-1.3% YoY
|
$78.6M
+14.7% YoY
|
$397.0M
+8.8% YoY
|
23% |
| Deposits |
$3.1M
-0.7% YoY-2.9% QoQ
|
$-22.5M |
$25.7M
+1.4% YoY
|
$88.8M
+14.2% YoY
|
$477.3M
+9.7% YoY
|
16% |
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| ROA |
0.4%
-53.6% YoY-15.5% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
-0.1%
-109.5% YoY
|
0.7%
+15.9% YoY
|
33% |
| NIM |
3.3%
-10.5% YoY-0.4% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
4.2%
+0.9% YoY
|
3.8%
+5.1% YoY
|
27% |
| Efficiency Ratio |
87.6%
+16.0% YoY+0.1% QoQ
|
+5.0% |
82.6%
-2.3% YoY
|
86.1%
+2.0% YoY
|
79.7%
-3.3% YoY
|
70% |
| Delinquency Rate |
1.1%
+61.0% QoQ
|
-0.4 |
1.6%
-3.1% YoY
|
1.8%
+15.7% YoY
|
1.3%
-2.1% YoY
|
64% |
| Loan To Share |
88.3%
-1.4% YoY+1.6% QoQ
|
+27.7% |
60.6%
-3.1% YoY
|
73.6%
-2.9% YoY
|
67.4%
-1.7% YoY
|
Top 11.9% in tier |
| AMR |
$11,376
-1.7% YoY-2.1% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$12,676
+2.7% YoY
|
$19,687
+2.0% YoY
|
36% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 15.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 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)