BlastPoint's Credit Union Scorecard

DILLARD'S

Charter #21268 · AR

<100M

2508 CUs in <100M nationally 43 in AR

DILLARD'S has 2 strengths but faces 2 concerns

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 1.20% above tier average
+ Members Per Employee (MPE): Top 5.0% in tier

Key Concerns

Areas that may need attention

- Member decline: -3.2% YoY
- Indirect Auto Concentration (%): Bottom 8.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Members	3,437 -3.2% YoY-2.4% QoQ	+760	2,676 +1.6% YoY	7,947 +7.9% YoY	33,913 +5.7% YoY	73%
Assets	$25.5M +2.7% YoY+10.9% QoQ	$-4.6M	$30.2M +1.3% YoY	$111.4M +12.6% YoY	$578.3M +9.0% YoY	54%
Loans	$8.0M -4.7% YoY-3.7% QoQ	$-7.2M	$15.3M -2.0% YoY	$80.4M +16.0% YoY	$402.4M +8.7% YoY	46%
Deposits	$22.3M +1.5% YoY+12.3% QoQ	$-3.4M	$25.8M +0.7% YoY	$90.2M +11.4% YoY	$494.3M +9.1% YoY	55%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.4% -6.2% YoY-5.3% QoQ	+1.2%	0.1% -77.6% YoY	-4.0% +7873.5% YoY	0.4% -39.2% YoY	81%
NIM	3.7% -3.6% YoY-8.9% QoQ	-0.3%	4.0% +4.0% YoY	4.1% -8.1% YoY	3.8% +4.1% YoY	43%
Efficiency Ratio	65.3% +1.2% YoY-1.8% QoQ	-25.4%	90.6% +6.5% YoY	125.8% +36.6% YoY	84.6% +2.8% YoY	18%
Delinquency Rate	0.1% -67.6% YoY-42.1% QoQ	-1.4	1.5% +3.8% YoY	1.6% +18.4% YoY	1.2% +3.4% YoY	20%
Loan To Share	36.0% -6.1% YoY-14.2% QoQ	-22.5%	58.5% -3.0% YoY	70.8% -3.6% YoY	65.6% -1.4% YoY	18%
AMR	$8,840 +3.2% YoY+10.3% QoQ	$-6K	$14,884 -1.7% YoY	$12,879 +3.3% YoY	$19,920 +1.6% YoY	22%
CD Concentration	0.0% -85.9% YoY	-24.3%	24.3%	15.4%	19.8%	50%
Indirect Auto %	10.1% -36.1% YoY-8.8% QoQ	-3.8%	13.8%	2.4%	7.7%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (5 metrics)

126

Members Per Employee (MPE)

engagement

Value: 687.400

Peer Median: 333.750

#126 of 2508 Top 5.0% in <100M tier

455

Efficiency Ratio

profitability

Value: 65.28%

Peer Median: 81.45%

#455 of 2508 Top 18.1% in <100M tier

474

Return on Assets (ROA)

profitability

Value: 1.35%

Peer Median: 0.61%

#474 of 2508 Top 18.9% in <100M tier

502

Total Delinquency Rate (60+ days)

risk

Value: 0.08%

Peer Median: 0.65%

#502 of 2508 Top 20.0% in <100M tier

556

Share Certificate Concentration (%)

balance_sheet

Value: 0.01%

Peer Median: 12.45%

#556 of 2508 Top 22.1% in <100M tier

Top Weaknesses (4 metrics)

2292

Indirect Auto Concentration (%)

balance_sheet

Value: 10.05%

Peer Median: 0.00%

#2292 of 2508 Bottom 8.7% in <100M tier

2078

Loan-to-Member Ratio (LMR)

engagement

Value: $2,339

Peer Median: $4,923

#2078 of 2508 Bottom 17.2% in <100M tier

2067

Loan-to-Share Ratio

balance_sheet

Value: 35.97%

Peer Median: 58.72%

#2067 of 2508 Bottom 17.6% in <100M tier

1949

Average Member Relationship (AMR)

engagement

Value: $8,840

Peer Median: $13,926

#1949 of 2508 Bottom 22.3% in <100M tier