BlastPoint's Credit Union Scorecard
ARH
Charter #20438 · KY
ARH has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.37% above tier average
- + Net Interest Margin 0.71% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 7.3% in tier
- + Net Worth Ratio: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.53% above tier average
- - Member decline: -2.4% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,656
-2.4% YoY+1.0% QoQ
|
+1.0K |
2,625
-2.2% YoY
|
18,350
+6.5% YoY
|
33,089
+6.1% YoY
|
75% |
| Assets |
$19.0M
-1.5% YoY-6.0% QoQ
|
$-10.9M |
$29.9M
+1.1% YoY
|
$291.9M
+10.4% YoY
|
$547.7M
+7.8% YoY
|
47% |
| Loans |
$10.6M
+3.6% YoY+1.9% QoQ
|
$-5.2M |
$15.8M
-2.4% YoY
|
$208.5M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
53% |
| Deposits |
$13.7M
-2.7% YoY-7.7% QoQ
|
$-11.8M |
$25.5M
+0.4% YoY
|
$245.3M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
44% |
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| ROA |
1.1%
+6.7% YoY+32.9% QoQ
|
+0.4% |
0.7%
-731.4% YoY
|
0.2%
-216.5% YoY
|
0.7%
+273.4% YoY
|
64% |
| NIM |
4.6%
-0.2% YoY+5.7% QoQ
|
+0.7% |
3.9%
+3.8% YoY
|
3.6%
+4.6% YoY
|
3.7%
+5.0% YoY
|
78% |
| Efficiency Ratio |
77.4%
+0.3% YoY-4.3% QoQ
|
-4.0% |
81.4%
-2.4% YoY
|
85.0%
-21.4% YoY
|
79.1%
-3.3% YoY
|
48% |
| Delinquency Rate |
2.0%
+28.1% YoY+16.0% QoQ
|
+0.5 |
1.5%
-2.0% YoY
|
0.8%
-26.3% YoY
|
1.2%
-0.9% YoY
|
80% |
| Loan To Share |
77.6%
+6.5% YoY+10.4% QoQ
|
+16.3% |
61.2%
-3.0% YoY
|
65.5%
-4.4% YoY
|
68.0%
-1.7% YoY
|
74% |
| AMR |
$6,648
+2.4% YoY-4.7% QoQ
|
$-8K |
$14,627
-2.7% YoY
|
$16,917
+3.2% YoY
|
$19,418
+1.3% YoY
|
Bottom 13.9% in tier |
| CD Concentration |
11.4%
-50.2% YoY-13.7% QoQ
|
-13.0% |
24.4%
+4.2% YoY
|
22.1%
-0.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.8%
-3.4% 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)