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 0.54% above tier average
- + Net Interest Margin 1.03% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 7.0% in tier
- + Net Worth Ratio: Top 7.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.92% above tier average
- - Member decline: -3.2% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,666
-3.2% YoY+0.3% QoQ
|
+1.1K |
2,615
-1.9% YoY
|
18,352
+6.1% YoY
|
33,374
+5.7% YoY
|
76% |
| Assets |
$18.6M
-0.1% YoY-1.9% QoQ
|
$-11.5M |
$30.1M
+2.1% YoY
|
$297.6M
+11.0% YoY
|
$561.6M
+9.7% YoY
|
46% |
| Loans |
$11.2M
+10.5% YoY+5.8% QoQ
|
$-4.5M |
$15.8M
-1.3% YoY
|
$214.0M
+12.0% YoY
|
$397.0M
+8.8% YoY
|
54% |
| Deposits |
$13.3M
-1.6% YoY-3.0% QoQ
|
$-12.4M |
$25.7M
+1.4% YoY
|
$249.6M
+10.9% YoY
|
$477.3M
+9.7% YoY
|
42% |
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| ROA |
1.2%
+27.4% YoY+10.7% QoQ
|
+0.5% |
0.6%
+10.8% YoY
|
0.3%
-193.7% YoY
|
0.7%
+15.9% YoY
|
73% |
| NIM |
5.0%
+7.4% YoY+7.4% QoQ
|
+1.0% |
4.0%
+4.0% YoY
|
3.7%
-0.4% YoY
|
3.8%
+5.1% YoY
|
Top 14.9% in tier |
| Efficiency Ratio |
76.7%
-0.9% YoY-1.0% QoQ
|
-5.9% |
82.6%
-2.3% YoY
|
85.5%
-17.8% YoY
|
79.7%
-3.3% YoY
|
42% |
| Delinquency Rate |
2.5%
+19.6% YoY+21.5% QoQ
|
+0.9 |
1.6%
-3.1% YoY
|
1.1%
-5.8% YoY
|
1.3%
-2.1% YoY
|
83% |
| Loan To Share |
84.6%
+12.3% YoY+9.1% QoQ
|
+24.0% |
60.6%
-3.1% YoY
|
65.9%
-3.9% YoY
|
67.4%
-1.7% YoY
|
84% |
| AMR |
$6,687
+7.0% YoY+0.6% QoQ
|
$-8K |
$14,783
-1.4% YoY
|
$17,204
+6.4% YoY
|
$19,687
+2.0% YoY
|
Bottom 13.9% in tier |
| CD Concentration |
12.1%
-47.2% YoY+5.8% QoQ
|
-12.3% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.7% | 7.8% | 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)