BlastPoint's Credit Union Scorecard
USEM MENA
Charter #18343 · AR
2556 CUs in <100M nationally
43 in AR
USEM MENA has 8 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.21% above tier average
- + Net Interest Margin 0.80% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 1.3% in tier
- + Loan Growth Rate: Top 2.8% in tier
- + Net Worth Ratio: Top 3.8% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.4% YoY
- - Deposit Growth Rate: Bottom 2.7% in tier
- - Asset Growth Rate: Bottom 4.8% in tier
- - Total Deposits: Bottom 7.5% in tier
- - Total Assets: Bottom 8.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
393
-3.4% YoY-1.3% QoQ
|
-2.2K |
2,615
-1.9% YoY
|
7,878
+8.0% YoY
|
33,374
+5.7% YoY
|
Bottom 10.7% in tier |
| Assets |
$1.6M
-9.8% YoY-5.8% QoQ
|
$-28.5M |
$30.1M
+2.1% YoY
|
$108.7M
+13.0% YoY
|
$561.6M
+9.7% YoY
|
Bottom 7.9% in tier |
| Loans |
$1.2M
+22.4% YoY+12.1% QoQ
|
$-14.6M |
$15.8M
-1.3% YoY
|
$78.6M
+14.7% YoY
|
$397.0M
+8.8% YoY
|
Bottom 12.5% in tier |
| Deposits |
$1.1M
-15.4% YoY-9.0% QoQ
|
$-24.6M |
$25.7M
+1.4% YoY
|
$88.8M
+14.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 7.4% in tier |
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| ROA |
0.8%
-24.8% YoY-11.3% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
-0.1%
-109.5% YoY
|
0.7%
+15.9% YoY
|
58% |
| NIM |
4.8%
+17.6% YoY+7.2% QoQ
|
+0.8% |
4.0%
+4.0% YoY
|
4.2%
+0.9% YoY
|
3.8%
+5.1% YoY
|
80% |
| Efficiency Ratio |
81.3%
+1.3% YoY+1.6% QoQ
|
-1.3% |
82.6%
-2.3% YoY
|
86.1%
+2.0% YoY
|
79.7%
-3.3% YoY
|
54% |
| Delinquency Rate |
0.1%
-48.0% YoY-42.2% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.8%
+15.7% YoY
|
1.3%
-2.1% YoY
|
21% |
| Loan To Share |
111.5%
+44.8% YoY+23.2% QoQ
|
+50.9% |
60.6%
-3.1% YoY
|
73.6%
-2.9% YoY
|
67.4%
-1.7% YoY
|
Top 1.4% in tier |
| AMR |
$5,773
+4.6% YoY+2.4% QoQ
|
$-9K |
$14,783
-1.4% YoY
|
$12,676
+2.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 11.3% in tier |
| 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)
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 (9 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
34
Loan-to-Share Ratio
balance_sheet
Value:
111.54%
Peer Median: -
#34 of 2556
Top 1.3% in <100M tier
73
Loan Growth Rate
growth
Value:
22.44%
Peer Median: -
#73 of 2556
Top 2.8% in <100M tier
99
Net Worth Ratio
risk
Value:
34.41%
Peer Median: -
#99 of 2556
Top 3.8% in <100M tier
500
Net Interest Margin (NIM)
profitability
Value:
4.76%
Peer Median: -
#500 of 2556
Top 19.5% in <100M tier
532
Total Delinquency Rate (60+ days)
risk
Value:
0.12%
Peer Median: -
#532 of 2556
Top 20.8% in <100M tier
618
Net Charge-Off Rate
risk
Value:
0.03%
Peer Median: -
#618 of 2556
Top 24.1% in <100M tier
Top Weaknesses (9 metrics)
2488
Deposit Growth Rate
growth
Value:
-15.43%
Peer Median: -
#2488 of 2556
Bottom 2.7% in <100M tier
2435
Asset Growth Rate
growth
Value:
-9.76%
Peer Median: -
#2435 of 2556
Bottom 4.8% in <100M tier
2366
Total Deposits
balance_sheet
Value:
$1.07M
Peer Median: -
#2366 of 2556
Bottom 7.5% in <100M tier
2353
Total Assets
balance_sheet
Value:
$1.64M
Peer Median: -
#2353 of 2556
Bottom 8.0% in <100M tier
2281
Total Members
engagement
Value:
393
Peer Median: -
#2281 of 2556
Bottom 10.8% in <100M tier
2266
Average Member Relationship (AMR)
engagement
Value:
$5,773
Peer Median: -
#2266 of 2556
Bottom 11.4% in <100M tier
2236
Total Loans
balance_sheet
Value:
$1.20M
Peer Median: -
#2236 of 2556
Bottom 12.6% in <100M tier
2052
Fee Income Per Member
profitability
Value:
$12.16
Peer Median: -
#2052 of 2556
Bottom 19.8% in <100M tier
1937
Loan-to-Member Ratio (LMR)
engagement
Value:
$3,044
Peer Median: -
#1937 of 2556
Bottom 24.3% in <100M tier