BlastPoint's Credit Union Scorecard
GARLAND COUNTY EDUCATORS
Charter #18814 · AR
GARLAND COUNTY EDUCATORS has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.01% above tier average
- + Net Interest Margin 2.34% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.80% above tier average
- - Net Charge-Off Rate: Bottom 3.3% in tier
- - Loan Growth Rate: Bottom 6.9% in tier
- - Share Certificate Concentration (%): Bottom 7.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
729
-1.2% YoY-0.1% QoQ
|
-1.9K |
2,615
-1.9% YoY
|
7,878
+8.0% YoY
|
33,374
+5.7% YoY
|
21% |
| Assets |
$5.3M
+2.6% YoY-2.5% QoQ
|
$-24.9M |
$30.1M
+2.1% YoY
|
$108.7M
+13.0% YoY
|
$561.6M
+9.7% YoY
|
20% |
| Loans |
$3.2M
-18.2% YoY-3.0% QoQ
|
$-12.6M |
$15.8M
-1.3% YoY
|
$78.6M
+14.7% YoY
|
$397.0M
+8.8% YoY
|
25% |
| Deposits |
$4.4M
+2.4% YoY-2.5% QoQ
|
$-21.3M |
$25.7M
+1.4% YoY
|
$88.8M
+14.2% YoY
|
$477.3M
+9.7% YoY
|
20% |
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| ROA |
0.6%
-70.9% YoY-59.2% QoQ
|
+0.0% |
0.6%
+10.8% YoY
|
-0.1%
-109.5% YoY
|
0.7%
+15.9% YoY
|
47% |
| NIM |
6.3%
-10.8% YoY+2.3% QoQ
|
+2.3% |
4.0%
+4.0% YoY
|
4.2%
+0.9% YoY
|
3.8%
+5.1% YoY
|
Top 3.0% in tier |
| Efficiency Ratio |
65.3%
+19.1% YoY+6.0% QoQ
|
-17.2% |
82.6%
-2.3% YoY
|
86.1%
+2.0% YoY
|
79.7%
-3.3% YoY
|
18% |
| Delinquency Rate |
3.4%
+61.2% YoY+62.0% QoQ
|
+1.8 |
1.6%
-3.1% YoY
|
1.8%
+15.7% YoY
|
1.3%
-2.1% YoY
|
Top 11.2% in tier |
| Loan To Share |
72.3%
-20.1% YoY-0.6% QoQ
|
+11.6% |
60.6%
-3.1% YoY
|
73.6%
-2.9% YoY
|
67.4%
-1.7% YoY
|
67% |
| AMR |
$10,326
-6.3% YoY-2.6% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$12,676
+2.7% YoY
|
$19,687
+2.0% YoY
|
30% |
| CD Concentration |
40.6%
+8.5% YoY+0.3% QoQ
|
+16.2% | 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)