BlastPoint's Credit Union Scorecard

NORTHWEST ARKANSAS

Charter #195 · AR

2556 CUs in <100M nationally 43 in AR

NORTHWEST ARKANSAS has 4 strengths but faces 1 concern

National Analysis

How does the industry compare?
AR Analysis

How does AR stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.26% above tier average
  • + First Mortgage Concentration (%): Top 0.0% in tier
  • + Net Charge-Off Rate: Top 1.1% in tier
  • + Members Per Employee (MPE): Top 8.5% in tier

Key Concerns

Areas that may need attention

  • - Net Worth Ratio: Bottom 9.4% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Members 2,323
+1.3% YoY+0.2% QoQ
 -292 2,615
-1.9% YoY
 7,878
+8.0% YoY
 33,374
+5.7% YoY
 57%
Assets $20.0M
+6.3% YoY-2.8% QoQ
 $-10.1M $30.1M
+2.1% YoY
 $108.7M
+13.0% YoY
 $561.6M
+9.7% YoY
 48%
Loans $11.8M
-14.1% YoY-4.8% QoQ
 $-3.9M $15.8M
-1.3% YoY
 $78.6M
+14.7% YoY
 $397.0M
+8.8% YoY
 55%
Deposits $18.2M
+5.7% YoY-3.5% QoQ
 $-7.5M $25.7M
+1.4% YoY
 $88.8M
+14.2% YoY
 $477.3M
+9.7% YoY
 50%

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Tier 1
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Performance signatures (strengths & concerns)
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ROA 0.9%
+20.5% YoY+34.9% QoQ
 +0.3% 0.6%
+10.8% YoY
 -0.1%
-109.5% YoY
 0.7%
+15.9% YoY
 60%
NIM 3.9%
+2.8% YoY+2.3% QoQ
 -0.0% 4.0%
+4.0% YoY
 4.2%
+0.9% YoY
 3.8%
+5.1% YoY
 51%
Efficiency Ratio 81.2%
+9.1% YoY-1.1% QoQ
 -1.3% 82.6%
-2.3% YoY
 86.1%
+2.0% YoY
 79.7%
-3.3% YoY
 54%
Delinquency Rate 0.7%
+48.0% YoY+980.7% QoQ
 -0.8 1.6%
-3.1% YoY
 1.8%
+15.7% YoY
 1.3%
-2.1% YoY
 50%
Loan To Share 65.2%
-18.7% YoY-1.4% QoQ
 +4.6% 60.6%
-3.1% YoY
 73.6%
-2.9% YoY
 67.4%
-1.7% YoY
 57%
AMR $12,914
-4.3% YoY-4.2% QoQ
 $-2K $14,783
-1.4% YoY
 $12,676
+2.7% YoY
 $19,687
+2.0% YoY
 45%
CD Concentration 26.4%
-24.1% YoY-17.8% QoQ
 +1.9% 24.4% 15.6% 19.8% 50%
Indirect Auto % 0.9%
-19.6% YoY-1.6% QoQ
 -12.9% 13.8% 2.5% 7.8% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Comparing against 2556 peers in tier

Top Strengths (6 metrics)

1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 2556 Top 0.0% in <100M tier
30
Net Charge-Off Rate
risk
Value: -0.45%
Peer Median: -
#30 of 2556 Top 1.1% in <100M tier
219
Members Per Employee (MPE)
engagement
Value: 580.750
Peer Median: -
#219 of 2556 Top 8.5% in <100M tier
519
Asset Growth Rate
growth
Value: 6.25%
Peer Median: -
#519 of 2556 Top 20.3% in <100M tier
527
Member Growth Rate
growth
Value: 1.31%
Peer Median: -
#527 of 2556 Top 20.6% in <100M tier
557
Deposit Growth Rate
growth
Value: 5.73%
Peer Median: -
#557 of 2556 Top 21.8% in <100M tier

Top Weaknesses (5 metrics)

2318
Net Worth Ratio
risk
Value: 8.97%
Peer Median: -
#2318 of 2556 Bottom 9.4% in <100M tier
2250
Loan Growth Rate
growth
Value: -14.06%
Peer Median: -
#2250 of 2556 Bottom 12.0% in <100M tier
2195
Indirect Auto Concentration (%)
balance_sheet
Value: 0.90%
Peer Median: -
#2195 of 2556 Bottom 14.2% in <100M tier
2089
AMR Growth Rate
growth
Value: -4.33%
Peer Median: -
#2089 of 2556 Bottom 18.3% in <100M tier
1971
Share Certificate Concentration (%)
balance_sheet
Value: 26.37%
Peer Median: -
#1971 of 2556 Bottom 22.9% in <100M tier
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