BlastPoint's Credit Union Scorecard
PRIORITY
Charter #18353 · AR
PRIORITY has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.36% above tier average
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.13% below tier average
- - Efficiency ratio 24.70% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 7.7% in tier
- - Loan Growth Rate: Bottom 9.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,968
-0.1% YoY-0.2% QoQ
|
-647 |
2,615
-1.9% YoY
|
7,878
+8.0% YoY
|
33,374
+5.7% YoY
|
50% |
| Assets |
$7.8M
-2.6% YoY-1.7% QoQ
|
$-22.3M |
$30.1M
+2.1% YoY
|
$108.7M
+13.0% YoY
|
$561.6M
+9.7% YoY
|
27% |
| Loans |
$5.5M
-16.0% YoY+2.7% QoQ
|
$-10.3M |
$15.8M
-1.3% YoY
|
$78.6M
+14.7% YoY
|
$397.0M
+8.8% YoY
|
36% |
| Deposits |
$6.9M
-2.4% YoY-1.6% QoQ
|
$-18.8M |
$25.7M
+1.4% YoY
|
$88.8M
+14.2% YoY
|
$477.3M
+9.7% YoY
|
28% |
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| ROA |
-0.5%
-533.7% YoY+151.8% QoQ
|
-1.1% |
0.6%
+10.8% YoY
|
-0.1%
-109.5% YoY
|
0.7%
+15.9% YoY
|
Bottom 8.7% in tier |
| NIM |
4.3%
-7.3% YoY+1.1% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
4.2%
+0.9% YoY
|
3.8%
+5.1% YoY
|
67% |
| Efficiency Ratio |
107.3%
+9.3% YoY+3.7% QoQ
|
+24.7% |
82.6%
-2.3% YoY
|
86.1%
+2.0% YoY
|
79.7%
-3.3% YoY
|
Top 7.2% in tier |
| Delinquency Rate |
0.4%
-65.6% YoY-25.9% QoQ
|
-1.2 |
1.6%
-3.1% YoY
|
1.8%
+15.7% YoY
|
1.3%
-2.1% YoY
|
36% |
| Loan To Share |
78.9%
-14.0% YoY+4.3% QoQ
|
+18.2% |
60.6%
-3.1% YoY
|
73.6%
-2.9% YoY
|
67.4%
-1.7% YoY
|
77% |
| AMR |
$6,285
-8.8% YoY+0.4% QoQ
|
$-8K |
$14,783
-1.4% YoY
|
$12,676
+2.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 12.6% in tier |
| CD Concentration |
3.8%
-31.9% YoY-24.2% QoQ
|
-20.7% | 24.4% | 15.6% | 19.8% | 50% |
| Indirect Auto % |
0.1%
-38.8% YoY-21.5% QoQ
|
-13.7% | 13.8% | 2.5% | 7.8% | 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)