BlastPoint's Credit Union Scorecard
ARKANSAS EDUCATION ASSOCIATION
Charter #23170 · AR
ARKANSAS EDUCATION ASSOCIATION has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 5.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.20% below tier average
- - Efficiency ratio 5.72% above tier (higher cost structure)
- - Delinquency rate 0.59% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,940
-0.3% YoY-1.0% QoQ
|
-675 |
2,615
-1.9% YoY
|
7,878
+8.0% YoY
|
33,374
+5.7% YoY
|
50% |
| Assets |
$8.2M
-3.0% YoY+0.4% QoQ
|
$-22.0M |
$30.1M
+2.1% YoY
|
$108.7M
+13.0% YoY
|
$561.6M
+9.7% YoY
|
28% |
| Loans |
$4.6M
-2.7% YoY-2.7% QoQ
|
$-11.1M |
$15.8M
-1.3% YoY
|
$78.6M
+14.7% YoY
|
$397.0M
+8.8% YoY
|
32% |
| Deposits |
$7.1M
-3.9% YoY+0.2% QoQ
|
$-18.6M |
$25.7M
+1.4% YoY
|
$88.8M
+14.2% YoY
|
$477.3M
+9.7% YoY
|
29% |
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| ROA |
0.4%
-14.8% YoY+84.2% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
-0.1%
-109.5% YoY
|
0.7%
+15.9% YoY
|
36% |
| NIM |
3.9%
-1.0% YoY+1.1% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
4.2%
+0.9% YoY
|
3.8%
+5.1% YoY
|
50% |
| Efficiency Ratio |
88.3%
+3.9% YoY+5.3% QoQ
|
+5.7% |
82.6%
-2.3% YoY
|
86.1%
+2.0% YoY
|
79.7%
-3.3% YoY
|
71% |
| Delinquency Rate |
2.1%
+23.6% YoY+18.9% QoQ
|
+0.6 |
1.6%
-3.1% YoY
|
1.8%
+15.7% YoY
|
1.3%
-2.1% YoY
|
80% |
| Loan To Share |
65.4%
+1.2% YoY-2.9% QoQ
|
+4.8% |
60.6%
-3.1% YoY
|
73.6%
-2.9% YoY
|
67.4%
-1.7% YoY
|
57% |
| AMR |
$6,038
-3.2% YoY+0.1% QoQ
|
$-9K |
$14,783
-1.4% YoY
|
$12,676
+2.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 12.0% in tier |
| CD Concentration |
9.7%
-5.0% YoY+1.7% QoQ
|
-14.8% | 24.4% | 15.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.5% | 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)