BlastPoint's Credit Union Scorecard

PRIORITY

Charter #18353 · AR

<100M

2508 CUs in <100M nationally 43 in AR

PRIORITY has 1 strength but faces 2 concerns

National Analysis

How does the industry compare?

AR Analysis

How does AR stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.11% above tier average

Key Concerns

Areas that may need attention

- ROA 0.13% below tier average
- Efficiency ratio 15.27% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Members	1,974 +0.3% YoY+0.3% QoQ	-702	2,676 +1.6% YoY	7,947 +7.9% YoY	33,913 +5.7% YoY	51%
Assets	$7.8M -0.9% YoY+0.0% QoQ	$-22.4M	$30.2M +1.3% YoY	$111.4M +12.6% YoY	$578.3M +9.0% YoY	27%
Loans	$5.5M -9.6% YoY+1.6% QoQ	$-9.7M	$15.3M -2.0% YoY	$80.4M +16.0% YoY	$402.4M +8.7% YoY	37%
Deposits	$6.9M -0.8% YoY-0.0% QoQ	$-18.9M	$25.8M +0.7% YoY	$90.2M +11.4% YoY	$494.3M +9.1% YoY	28%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.0% -103.3% YoY-103.5% QoQ	-0.1%	0.1% -77.6% YoY	-4.0% +7873.5% YoY	0.4% -39.2% YoY	22%
NIM	4.1% -6.0% YoY-4.6% QoQ	+0.1%	4.0% +4.0% YoY	4.1% -8.1% YoY	3.8% +4.1% YoY	63%
Efficiency Ratio	105.9% +3.2% YoY-1.3% QoQ	+15.3%	90.6% +6.5% YoY	125.8% +36.6% YoY	84.6% +2.8% YoY	Bottom 11.8% in tier
Delinquency Rate	0.3% -62.8% YoY-25.1% QoQ	-1.2	1.5% +3.8% YoY	1.6% +18.4% YoY	1.2% +3.4% YoY	34%
Loan To Share	80.1% -8.9% YoY+1.6% QoQ	+21.6%	58.5% -3.0% YoY	70.8% -3.6% YoY	65.6% -1.4% YoY	82%
AMR	$6,309 -5.2% YoY+0.4% QoQ	$-9K	$14,884 -1.7% YoY	$12,879 +3.3% YoY	$19,920 +1.6% YoY	Bottom 12.6% in tier
CD Concentration	3.1% -49.0% YoY-18.0% QoQ	-21.2%	24.3%	15.4%	19.8%	50%
Indirect Auto %	0.1% -51.3% YoY-25.7% QoQ	-13.7%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (3 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

266

Net Charge-Off Rate

risk

Value: -0.08%

Peer Median: 0.07%

#266 of 2508 Top 10.6% in <100M tier

460

Loan-to-Share Ratio

balance_sheet

Value: 80.14%

Peer Median: 58.72%

#460 of 2508 Top 18.3% in <100M tier

Top Weaknesses (8 metrics)

2212

Efficiency Ratio

profitability

Value: 105.90%

Peer Median: 81.45%

#2212 of 2508 Bottom 11.8% in <100M tier

2193

Average Member Relationship (AMR)

engagement

Value: $6,309

Peer Median: $13,926

#2193 of 2508 Bottom 12.6% in <100M tier

2131

Indirect Auto Concentration (%)

balance_sheet

Value: 0.07%

Peer Median: 0.00%

#2131 of 2508 Bottom 15.1% in <100M tier

2095

AMR Growth Rate

growth

Value: -5.19%

Peer Median: 1.27%

#2095 of 2508 Bottom 16.5% in <100M tier

1962

Return on Assets (ROA)

profitability

Value: 0.02%

Peer Median: 0.61%

#1962 of 2508 Bottom 21.8% in <100M tier

1945

Loan-to-Member Ratio (LMR)

engagement

Value: $2,807

Peer Median: $4,923

#1945 of 2508 Bottom 22.5% in <100M tier

1911

Loan Growth Rate

growth

Value: -9.59%

Peer Median: -2.36%

#1911 of 2508 Bottom 23.8% in <100M tier

1895

Net Worth Ratio

risk

Value: 10.98%

Peer Median: 14.28%

#1895 of 2508 Bottom 24.5% in <100M tier