BlastPoint's Credit Union Scorecard
GARLAND COUNTY EDUCATORS
Charter #18814 · AR
GARLAND COUNTY EDUCATORS has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.94% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.12% below tier average
- - Delinquency rate 0.45% above tier average
- - Net Charge-Off Rate: Bottom 1.1% in tier
- - Share Certificate Concentration (%): Bottom 7.0% in tier
- - Loan Growth Rate: Bottom 8.3% in tier
- - AMR Growth Rate: Bottom 9.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
730
-1.5% YoY+0.1% QoQ
|
-1.9K |
2,676
+1.6% YoY
|
7,947
+7.9% YoY
|
33,913
+5.7% YoY
|
20% |
| Assets |
$5.2M
-1.8% YoY-1.0% QoQ
|
$-25.0M |
$30.2M
+1.3% YoY
|
$111.4M
+12.6% YoY
|
$578.3M
+9.0% YoY
|
20% |
| Loans |
$3.0M
-17.9% YoY-4.2% QoQ
|
$-12.3M |
$15.3M
-2.0% YoY
|
$80.4M
+16.0% YoY
|
$402.4M
+8.7% YoY
|
24% |
| Deposits |
$4.3M
-2.4% YoY-1.2% QoQ
|
$-21.5M |
$25.8M
+0.7% YoY
|
$90.2M
+11.4% YoY
|
$494.3M
+9.1% YoY
|
20% |
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 |
0.0%
-98.4% YoY-96.1% QoQ
|
-0.1% |
0.1%
-77.6% YoY
|
-4.0%
+7873.5% YoY
|
0.4%
-39.2% YoY
|
22% |
| NIM |
5.9%
-7.1% YoY-5.6% QoQ
|
+1.9% |
4.0%
+4.0% YoY
|
4.1%
-8.1% YoY
|
3.8%
+4.1% YoY
|
Top 4.1% in tier |
| Efficiency Ratio |
63.1%
+1.4% YoY-3.4% QoQ
|
-27.5% |
90.6%
+6.5% YoY
|
125.8%
+36.6% YoY
|
84.6%
+2.8% YoY
|
16% |
| Delinquency Rate |
2.0%
-1.6% YoY-41.8% QoQ
|
+0.5 |
1.5%
+3.8% YoY
|
1.6%
+18.4% YoY
|
1.2%
+3.4% YoY
|
80% |
| Loan To Share |
70.0%
-15.9% YoY-3.1% QoQ
|
+11.5% |
58.5%
-3.0% YoY
|
70.8%
-3.6% YoY
|
65.6%
-1.4% YoY
|
67% |
| AMR |
$10,059
-8.1% YoY-2.6% QoQ
|
$-5K |
$14,884
-1.7% YoY
|
$12,879
+3.3% YoY
|
$19,920
+1.6% YoY
|
29% |
| CD Concentration |
41.0%
+4.4% YoY+0.9% QoQ
|
+16.7% | 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)