BlastPoint's Credit Union Scorecard
COMBINED
Charter #18474 · AR
COMBINED has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.88% above tier average
- + Net Interest Margin 1.39% above tier average
- + Loan-to-Share Ratio: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.71% above tier average
- - Member decline: -5.9% YoY
- - Loan Growth Rate: Bottom 9.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,773
-5.9% YoY-0.8% QoQ
|
-903 |
2,676
+1.6% YoY
|
7,947
+7.9% YoY
|
33,913
+5.7% YoY
|
47% |
| Assets |
$8.9M
-4.2% YoY+2.9% QoQ
|
$-21.3M |
$30.2M
+1.3% YoY
|
$111.4M
+12.6% YoY
|
$578.3M
+9.0% YoY
|
29% |
| Loans |
$6.9M
-16.3% YoY-5.3% QoQ
|
$-8.4M |
$15.3M
-2.0% YoY
|
$80.4M
+16.0% YoY
|
$402.4M
+8.7% YoY
|
42% |
| Deposits |
$7.7M
-5.9% YoY+3.0% QoQ
|
$-18.1M |
$25.8M
+0.7% YoY
|
$90.2M
+11.4% YoY
|
$494.3M
+9.1% YoY
|
30% |
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| ROA |
1.0%
+13.4% YoY+4.5% QoQ
|
+0.9% |
0.1%
-77.6% YoY
|
-4.0%
+7873.5% YoY
|
0.4%
-39.2% YoY
|
70% |
| NIM |
5.4%
+0.8% YoY-6.7% QoQ
|
+1.4% |
4.0%
+4.0% YoY
|
4.1%
-8.1% YoY
|
3.8%
+4.1% YoY
|
Top 7.0% in tier |
| Efficiency Ratio |
85.2%
-2.0% YoY+3.7% QoQ
|
-5.5% |
90.6%
+6.5% YoY
|
125.8%
+36.6% YoY
|
84.6%
+2.8% YoY
|
58% |
| Delinquency Rate |
2.2%
-28.0% YoY-3.9% QoQ
|
+0.7 |
1.5%
+3.8% YoY
|
1.6%
+18.4% YoY
|
1.2%
+3.4% YoY
|
83% |
| Loan To Share |
89.4%
-11.0% YoY-8.0% QoQ
|
+30.9% |
58.5%
-3.0% YoY
|
70.8%
-3.6% YoY
|
65.6%
-1.4% YoY
|
Top 8.7% in tier |
| AMR |
$8,199
-5.5% YoY-0.3% QoQ
|
$-7K |
$14,884
-1.7% YoY
|
$12,879
+3.3% YoY
|
$19,920
+1.6% YoY
|
20% |
| CD Concentration |
11.4%
+67.2% YoY+3.0% QoQ
|
-12.9% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.4% | 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)