BlastPoint's Credit Union Scorecard
USEM MENA
Charter #18343 · AR
<100M
2508 CUs in <100M nationally
43 in AR
USEM MENA has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.20% above tier average
- + Net Interest Margin 1.01% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Loan-to-Share Ratio: Top 0.5% in tier
- + Loan Growth Rate: Top 2.0% in tier
- + Net Worth Ratio: Top 3.9% in tier
Key Concerns
Areas that may need attention
- - Deposit Growth Rate: Bottom 2.4% in tier
- - Asset Growth Rate: Bottom 4.1% in tier
- - Total Deposits: Bottom 7.5% in tier
- - Total Assets: Bottom 8.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
397
-1.2% YoY+1.0% QoQ
|
-2.3K |
2,676
+1.6% YoY
|
7,947
+7.9% YoY
|
33,913
+5.7% YoY
|
Bottom 10.9% in tier |
| Assets |
$1.7M
-10.5% YoY+3.0% QoQ
|
$-28.5M |
$30.2M
+1.3% YoY
|
$111.4M
+12.6% YoY
|
$578.3M
+9.0% YoY
|
Bottom 8.1% in tier |
| Loans |
$1.3M
+27.6% YoY+10.2% QoQ
|
$-14.0M |
$15.3M
-2.0% YoY
|
$80.4M
+16.0% YoY
|
$402.4M
+8.7% YoY
|
Bottom 13.5% in tier |
| Deposits |
$1.1M
-16.4% YoY+4.0% QoQ
|
$-24.7M |
$25.8M
+0.7% YoY
|
$90.2M
+11.4% YoY
|
$494.3M
+9.1% YoY
|
Bottom 7.5% in tier |
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| ROA |
1.4%
+71.7% YoY+62.9% QoQ
|
+1.2% |
0.1%
-77.6% YoY
|
-4.0%
+7873.5% YoY
|
0.4%
-39.2% YoY
|
81% |
| NIM |
5.0%
+24.1% YoY+5.6% QoQ
|
+1.0% |
4.0%
+4.0% YoY
|
4.1%
-8.1% YoY
|
3.8%
+4.1% YoY
|
Top 11.4% in tier |
| Efficiency Ratio |
74.6%
-8.8% YoY-8.2% QoQ
|
-16.0% |
90.6%
+6.5% YoY
|
125.8%
+36.6% YoY
|
84.6%
+2.8% YoY
|
34% |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
+3.8% YoY
|
1.6%
+18.4% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
118.2%
+52.6% YoY+6.0% QoQ
|
+59.7% |
58.5%
-3.0% YoY
|
70.8%
-3.6% YoY
|
65.6%
-1.4% YoY
|
Top 0.6% in tier |
| AMR |
$6,131
+4.1% YoY+6.2% QoQ
|
$-9K |
$14,884
-1.7% YoY
|
$12,879
+3.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 12.0% in tier |
| 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)
Top Strengths (10 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: 0.65%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
13
Loan-to-Share Ratio
balance_sheet
Value:
118.21%
Peer Median: 58.72%
#13 of 2508
Top 0.5% in <100M tier
50
Loan Growth Rate
growth
Value:
27.64%
Peer Median: -2.36%
#50 of 2508
Top 2.0% in <100M tier
100
Net Worth Ratio
risk
Value:
33.75%
Peer Median: 14.28%
#100 of 2508
Top 3.9% in <100M tier
285
Net Interest Margin (NIM)
profitability
Value:
5.02%
Peer Median: 3.83%
#285 of 2508
Top 11.3% in <100M tier
475
Return on Assets (ROA)
profitability
Value:
1.35%
Peer Median: 0.61%
#475 of 2508
Top 18.9% 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
Top Weaknesses (8 metrics)
2450
Deposit Growth Rate
growth
Value:
-16.38%
Peer Median: 0.66%
#2450 of 2508
Bottom 2.4% in <100M tier
2405
Asset Growth Rate
growth
Value:
-10.50%
Peer Median: 1.30%
#2405 of 2508
Bottom 4.1% in <100M tier
2321
Total Deposits
balance_sheet
Value:
$1.12M
Peer Median: $18.77M
#2321 of 2508
Bottom 7.5% in <100M tier
2305
Total Assets
balance_sheet
Value:
$1.69M
Peer Median: $21.86M
#2305 of 2508
Bottom 8.1% in <100M tier
2235
Total Members
engagement
Value:
397
Peer Median: 1,918
#2235 of 2508
Bottom 10.9% in <100M tier
2207
Average Member Relationship (AMR)
engagement
Value:
$6,131
Peer Median: $13,926
#2207 of 2508
Bottom 12.0% in <100M tier
2169
Total Loans
balance_sheet
Value:
$1.32M
Peer Median: $9.48M
#2169 of 2508
Bottom 13.6% in <100M tier
1947
Fee Income Per Member
profitability
Value:
$12.83
Peer Median: $60.42
#1947 of 2508
Bottom 22.4% in <100M tier