BlastPoint's Credit Union Scorecard
USEM MENA
Charter #18343 · AR
USEM MENA has 7 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.14% above tier average
- + Net Interest Margin 1.03% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Loan-to-Share Ratio: Top 1.6% in tier
- + Loan Growth Rate: Top 3.6% in tier
- + Net Charge-Off Rate: Top 4.4% in tier
- + Net Worth Ratio: Top 4.7% in tier
Key Concerns
Areas that may need attention
- - Total Deposits: Bottom 7.6% in tier
- - Total Assets: Bottom 8.2% 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 -8.1% year over year ($1.2M in shares and deposits).
- Membership: 398 members, +1.0% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 1.63%.
- Efficiency ratio 68.82% vs a 88.77% peer average.
- Loan-to-share ratio 108.32% 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 |
398
+1.0% YoY+0.3% QoQ
|
-2.2K |
2,585
-1.7% YoY
|
8,161
+10.4% YoY
|
34,678
+6.6% YoY
|
Bottom 11.0% in tier |
| Assets |
$1.8M
-4.5% YoY+5.7% QoQ
|
$-28.5M |
$30.3M
+1.5% YoY
|
$115.8M
+17.0% YoY
|
$593.1M
+10.2% YoY
|
Bottom 8.2% in tier |
| Loans |
$1.3M
+19.3% YoY-1.2% QoQ
|
$-14.2M |
$15.5M
-1.7% YoY
|
$84.2M
+19.9% YoY
|
$418.6M
+10.1% YoY
|
Bottom 13.5% in tier |
| Deposits |
$1.2M
-8.1% YoY+7.8% QoQ
|
$-24.6M |
$25.8M
+1.1% YoY
|
$93.4M
+13.5% YoY
|
$504.8M
+10.3% YoY
|
Bottom 7.6% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.6%
+62.1% YoY+20.7% QoQ
|
+0.1% |
1.5%
+241.5% YoY
|
1.6%
+705.7% YoY
|
1.2%
+121.4% YoY
|
83% |
| NIM |
4.9%
+24.2% YoY-1.9% QoQ
|
+1.0% |
3.9%
+0.9% YoY
|
4.1%
-5.5% YoY
|
3.8%
+2.3% YoY
|
Top 13.0% in tier |
| Efficiency Ratio |
68.8%
-9.8% YoY-7.8% QoQ
|
-19.9% |
88.8%
-6.9% YoY
|
86.5%
+3.6% YoY
|
83.0%
-5.3% YoY
|
24% |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
+2.1% YoY
|
1.9%
+36.9% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
108.3%
+29.8% YoY-8.4% QoQ
|
+49.4% |
58.9%
-3.1% YoY
|
71.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
Top 1.7% in tier |
| AMR |
$6,294
+3.3% YoY+2.7% QoQ
|
$-9K |
$14,963
-6.8% YoY
|
$12,982
+3.9% YoY
|
$20,028
-0.9% YoY
|
Bottom 12.3% in tier |
| 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)