BlastPoint's Credit Union Scorecard
NORTHWEST ARKANSAS
Charter #195 · AR
NORTHWEST ARKANSAS has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Asset Growth Rate: Top 5.1% in tier
- + Deposit Growth Rate: Top 5.3% in tier
- + Net Charge-Off Rate: Top 5.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.03% below tier average
- - Efficiency ratio 0.76% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 5.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,319
+1.7% YoY-1.3% QoQ
|
-306 |
2,625
-2.2% YoY
|
7,762
+8.3% YoY
|
33,089
+6.1% YoY
|
57% |
| Assets |
$20.6M
+12.2% YoY+1.4% QoQ
|
$-9.3M |
$29.9M
+1.1% YoY
|
$104.3M
+13.0% YoY
|
$547.7M
+7.8% YoY
|
49% |
| Loans |
$12.4M
-13.5% YoY-1.4% QoQ
|
$-3.3M |
$15.8M
-2.4% YoY
|
$74.9M
+12.6% YoY
|
$388.7M
+8.6% YoY
|
56% |
| Deposits |
$18.8M
+12.6% YoY+1.1% QoQ
|
$-6.6M |
$25.5M
+0.4% YoY
|
$86.6M
+15.8% YoY
|
$464.6M
+9.3% YoY
|
51% |
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| ROA |
0.7%
-32.9% YoY+64.1% QoQ
|
-0.0% |
0.7%
-731.4% YoY
|
0.2%
-67.2% YoY
|
0.7%
+273.4% YoY
|
44% |
| NIM |
3.8%
-2.6% YoY+3.1% QoQ
|
-0.1% |
3.9%
+3.8% YoY
|
4.4%
+6.8% YoY
|
3.7%
+5.0% YoY
|
48% |
| Efficiency Ratio |
82.2%
+12.2% YoY-5.5% QoQ
|
+0.8% |
81.4%
-2.4% YoY
|
83.8%
+0.9% YoY
|
79.1%
-3.3% YoY
|
60% |
| Delinquency Rate |
0.1%
-75.9% YoY+3.3% QoQ
|
-1.4 |
1.5%
-2.0% YoY
|
1.5%
-12.0% YoY
|
1.2%
-0.9% YoY
|
18% |
| Loan To Share |
66.1%
-23.2% YoY-2.4% QoQ
|
+4.9% |
61.2%
-3.0% YoY
|
73.4%
-3.7% YoY
|
68.0%
-1.7% YoY
|
57% |
| AMR |
$13,478
-1.1% YoY+1.4% QoQ
|
$-1K |
$14,627
-2.7% YoY
|
$12,695
+3.6% YoY
|
$19,418
+1.3% YoY
|
49% |
| CD Concentration |
32.1%
-1.1% YoY+13.9% QoQ
|
+7.7% |
24.4%
+4.2% YoY
|
16.2%
+8.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
0.9%
-26.9% YoY-6.3% QoQ
|
-13.1% |
14.0%
-5.7% YoY
|
2.6%
-19.0% YoY
|
7.9%
-2.9% YoY
|
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)