BlastPoint's Credit Union Scorecard
COMBINED
Charter #18474 · AR
COMBINED has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.36% above tier average
- + Net Interest Margin 1.84% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 5.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.75% above tier average
- - Member decline: -4.5% YoY
- - AMR Growth Rate: Bottom 7.7% in tier
- - Deposit Growth Rate: Bottom 8.1% in tier
- - Asset Growth Rate: Bottom 8.2% in tier
- - Loan Growth Rate: Bottom 8.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,788
-4.5% YoY+0.7% QoQ
|
-827 |
2,615
-1.9% YoY
|
7,878
+8.0% YoY
|
33,374
+5.7% YoY
|
47% |
| Assets |
$8.6M
-7.4% YoY-4.7% QoQ
|
$-21.5M |
$30.1M
+2.1% YoY
|
$108.7M
+13.0% YoY
|
$561.6M
+9.7% YoY
|
29% |
| Loans |
$7.2M
-16.3% YoY-4.4% QoQ
|
$-8.5M |
$15.8M
-1.3% YoY
|
$78.6M
+14.7% YoY
|
$397.0M
+8.8% YoY
|
42% |
| Deposits |
$7.5M
-9.3% YoY-5.7% QoQ
|
$-18.2M |
$25.7M
+1.4% YoY
|
$88.8M
+14.2% YoY
|
$477.3M
+9.7% YoY
|
30% |
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| ROA |
1.0%
+155.5% YoY+20.3% QoQ
|
+0.4% |
0.6%
+10.8% YoY
|
-0.1%
-109.5% YoY
|
0.7%
+15.9% YoY
|
65% |
| NIM |
5.8%
+11.0% YoY+4.2% QoQ
|
+1.8% |
4.0%
+4.0% YoY
|
4.2%
+0.9% YoY
|
3.8%
+5.1% YoY
|
Top 5.1% in tier |
| Efficiency Ratio |
82.1%
-2.2% YoY-2.0% QoQ
|
-0.5% |
82.6%
-2.3% YoY
|
86.1%
+2.0% YoY
|
79.7%
-3.3% YoY
|
56% |
| Delinquency Rate |
2.3%
-22.8% YoY-8.5% QoQ
|
+0.7 |
1.6%
-3.1% YoY
|
1.8%
+15.7% YoY
|
1.3%
-2.1% YoY
|
81% |
| Loan To Share |
97.2%
-7.7% YoY+1.3% QoQ
|
+36.6% |
60.6%
-3.1% YoY
|
73.6%
-2.9% YoY
|
67.4%
-1.7% YoY
|
Top 5.5% in tier |
| AMR |
$8,221
-8.8% YoY-5.7% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$12,676
+2.7% YoY
|
$19,687
+2.0% YoY
|
20% |
| CD Concentration |
11.0%
+68.3% YoY+11.1% QoQ
|
-13.4% | 24.4% | 15.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.5% | 7.8% | 50% |
Signature Analysis
Strengths (0)
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)