BlastPoint's Credit Union Scorecard
ARH
Charter #20438 · KY
ARH has 7 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.75% above tier average
- + Net Interest Margin 0.99% above tier average
- + Loan Growth Rate: Top 2.8% in tier
- + Net Charge-Off Rate: Top 4.4% in tier
- + AMR Growth Rate: Top 5.1% in tier
- + Members Per Employee (MPE): Top 6.9% in tier
- + Net Worth Ratio: Top 8.8% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.1% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,700
-2.1% YoY+0.9% QoQ
|
+1.0K |
2,676
+1.6% YoY
|
19,049
+8.0% YoY
|
33,913
+5.7% YoY
|
76% |
| Assets |
$20.0M
+3.4% YoY+7.4% QoQ
|
$-10.2M |
$30.2M
+1.3% YoY
|
$318.2M
+13.2% YoY
|
$578.3M
+9.0% YoY
|
48% |
| Loans |
$11.7M
+22.4% YoY+3.9% QoQ
|
$-3.6M |
$15.3M
-2.0% YoY
|
$224.2M
+14.2% YoY
|
$402.4M
+8.7% YoY
|
55% |
| Deposits |
$14.6M
+3.7% YoY+9.9% QoQ
|
$-11.2M |
$25.8M
+0.7% YoY
|
$268.6M
+13.0% YoY
|
$494.3M
+9.1% YoY
|
44% |
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| ROA |
0.9%
+99.1% YoY-22.5% QoQ
|
+0.8% |
0.1%
-77.6% YoY
|
-0.2%
-46.7% YoY
|
0.4%
-39.2% YoY
|
65% |
| NIM |
5.0%
+13.4% YoY+0.3% QoQ
|
+1.0% |
4.0%
+4.0% YoY
|
3.3%
-7.9% YoY
|
3.8%
+4.1% YoY
|
Top 11.8% in tier |
| Efficiency Ratio |
81.4%
-1.2% YoY+6.3% QoQ
|
-9.2% |
90.6%
+6.5% YoY
|
83.1%
-14.8% YoY
|
84.6%
+2.8% YoY
|
50% |
| Delinquency Rate |
1.0%
+5.3% YoY-60.3% QoQ
|
-0.5 |
1.5%
+3.8% YoY
|
0.9%
-11.3% YoY
|
1.2%
+3.4% YoY
|
63% |
| Loan To Share |
80.0%
+18.0% YoY-5.5% QoQ
|
+21.5% |
58.5%
-3.0% YoY
|
64.5%
+0.1% YoY
|
65.6%
-1.4% YoY
|
82% |
| AMR |
$7,098
+13.6% YoY+6.2% QoQ
|
$-8K |
$14,884
-1.7% YoY
|
$17,696
+5.9% YoY
|
$19,920
+1.6% YoY
|
15% |
| CD Concentration |
13.0%
-47.1% YoY+7.5% QoQ
|
-11.3% | 24.3% | 22.8% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.7% | 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)