BlastPoint's Credit Union Scorecard
ARH
Charter #20438 · KY
ARH has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.30% above tier average
- + Loan Growth Rate: Top 6.0% in tier
- + Net Worth Ratio: Top 8.2% in tier
- + Members Per Employee (MPE): Top 8.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.27% below tier average
- - Member decline: -2.9% YoY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 34 that size in Kentucky.
- Shares and deposits -2.7% year over year ($14.4M in shares and deposits).
- Membership: 3,513 members, -2.9% vs a year ago.
- Delinquency rate 1.32%.
- Return on assets 1.22%.
- Efficiency ratio 75.16% vs a 88.77% peer average.
- Loan-to-share ratio 82.19% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,513
-2.9% YoY-5.1% QoQ
|
+927 |
2,585
-1.7% YoY
|
19,704
+8.5% YoY
|
34,678
+6.6% YoY
|
74% |
| Assets |
$19.9M
-1.4% YoY-0.5% QoQ
|
$-10.4M |
$30.3M
+1.5% YoY
|
$329.2M
+13.7% YoY
|
$593.1M
+10.2% YoY
|
48% |
| Loans |
$11.9M
+13.8% YoY+1.6% QoQ
|
$-3.6M |
$15.5M
-1.7% YoY
|
$234.8M
+15.2% YoY
|
$418.6M
+10.1% YoY
|
56% |
| Deposits |
$14.4M
-2.7% YoY-1.1% QoQ
|
$-11.4M |
$25.8M
+1.1% YoY
|
$276.9M
+13.5% YoY
|
$504.8M
+10.3% YoY
|
44% |
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 |
1.2%
+54.7% YoY+35.7% QoQ
|
-0.3% |
1.5%
+241.5% YoY
|
1.2%
+141.8% YoY
|
1.2%
+121.4% YoY
|
71% |
| NIM |
5.2%
+18.5% YoY+4.1% QoQ
|
+1.3% |
3.9%
+0.9% YoY
|
3.7%
+2.3% YoY
|
3.8%
+2.3% YoY
|
Top 9.0% in tier |
| Efficiency Ratio |
75.2%
-7.1% YoY-7.7% QoQ
|
-13.6% |
88.8%
-6.9% YoY
|
83.2%
+1.5% YoY
|
83.0%
-5.3% YoY
|
36% |
| Delinquency Rate |
1.3%
-24.7% YoY+34.3% QoQ
|
-0.2 |
1.5%
+2.1% YoY
|
1.1%
+18.9% YoY
|
1.3%
+2.6% YoY
|
68% |
| Loan To Share |
82.2%
+17.0% YoY+2.8% QoQ
|
+23.3% |
58.9%
-3.1% YoY
|
64.3%
-0.2% YoY
|
66.4%
-1.4% YoY
|
83% |
| AMR |
$7,483
+7.2% YoY+5.4% QoQ
|
$-7K |
$14,963
-6.8% YoY
|
$17,761
+5.3% YoY
|
$20,028
-0.9% YoY
|
16% |
| CD Concentration |
13.3%
+0.2% YoY+2.1% QoQ
|
-11.3% | 24.6% | 23.1% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 7.6% | 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)