BlastPoint's Credit Union Scorecard
ARKANSAS KRAFT EMPLOYEES
Charter #17849 · AR
ARKANSAS KRAFT EMPLOYEES has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Worth Ratio: Top 6.9% in tier
Key Concerns
Areas that may need attention
- - ROA 1.11% below tier average
- - Efficiency ratio 0.11% above tier (higher cost structure)
- - Loan Growth Rate: Bottom 8.7% in tier
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 -0.2% year over year ($3.1M in shares and deposits).
- Membership: 512 members, -1.3% vs a year ago.
- Delinquency rate 0.19%.
- Return on assets 0.39%.
- Efficiency ratio 88.87% vs a 88.77% peer average.
- Loan-to-share ratio 77.17% 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 |
512
-1.3% YoY-2.1% QoQ
|
-2.1K |
2,585
-1.7% YoY
|
8,161
+10.4% YoY
|
34,678
+6.6% YoY
|
Bottom 14.0% in tier |
| Assets |
$4.4M
+0.4% YoY-1.2% QoQ
|
$-25.9M |
$30.3M
+1.5% YoY
|
$115.8M
+17.0% YoY
|
$593.1M
+10.2% YoY
|
17% |
| Loans |
$2.4M
-17.9% YoY-6.4% QoQ
|
$-13.0M |
$15.5M
-1.7% YoY
|
$84.2M
+19.9% YoY
|
$418.6M
+10.1% YoY
|
20% |
| Deposits |
$3.1M
-0.2% YoY-1.9% QoQ
|
$-22.7M |
$25.8M
+1.1% YoY
|
$93.4M
+13.5% YoY
|
$504.8M
+10.3% YoY
|
16% |
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| ROA |
0.4%
+468.0% YoY-15.8% QoQ
|
-1.1% |
1.5%
+241.5% YoY
|
1.6%
+705.7% YoY
|
1.2%
+121.4% YoY
|
24% |
| NIM |
3.3%
+1.5% YoY-5.9% QoQ
|
-0.6% |
3.9%
+0.9% YoY
|
4.1%
-5.5% YoY
|
3.8%
+2.3% YoY
|
27% |
| Efficiency Ratio |
88.9%
-9.3% YoY+2.1% QoQ
|
+0.1% |
88.8%
-6.9% YoY
|
86.5%
+3.6% YoY
|
83.0%
-5.3% YoY
|
69% |
| Delinquency Rate |
0.2%
-77.0% YoY-75.7% QoQ
|
-1.4 |
1.5%
+2.1% YoY
|
1.9%
+36.9% YoY
|
1.3%
+2.6% YoY
|
26% |
| Loan To Share |
77.2%
-17.7% YoY-4.6% QoQ
|
+18.3% |
58.9%
-3.1% YoY
|
71.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
77% |
| AMR |
$10,823
-7.5% YoY-1.8% QoQ
|
$-4K |
$14,963
-6.8% YoY
|
$12,982
+3.9% YoY
|
$20,028
-0.9% YoY
|
32% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 15.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 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)