BlastPoint's Credit Union Scorecard

ARKANSAS EDUCATION ASSOCIATION

Charter #23170 · AR

<100M

2508 CUs in <100M nationally 43 in AR

ARKANSAS EDUCATION ASSOCIATION has 1 strength but faces 3 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

+ Members Per Employee (MPE): Top 6.0% in tier

Key Concerns

Areas that may need attention

- ROA 0.71% below tier average
- Efficiency ratio 4.76% above tier (higher cost structure)
- Delinquency rate 0.39% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Members	1,917 -1.5% YoY-1.2% QoQ	-759	2,676 +1.6% YoY	7,947 +7.9% YoY	33,913 +5.7% YoY	50%
Assets	$8.1M -4.2% YoY-0.8% QoQ	$-22.1M	$30.2M +1.3% YoY	$111.4M +12.6% YoY	$578.3M +9.0% YoY	27%
Loans	$4.7M +0.4% YoY+0.9% QoQ	$-10.6M	$15.3M -2.0% YoY	$80.4M +16.0% YoY	$402.4M +8.7% YoY	33%
Deposits	$7.0M -5.0% YoY-0.8% QoQ	$-18.8M	$25.8M +0.7% YoY	$90.2M +11.4% YoY	$494.3M +9.1% YoY	28%

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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	-0.6% -271.8% YoY-233.6% QoQ	-0.7%	0.1% -77.6% YoY	-4.0% +7873.5% YoY	0.4% -39.2% YoY	Bottom 12.6% in tier
NIM	3.8% +9.6% YoY-1.8% QoQ	-0.2%	4.0% +4.0% YoY	4.1% -8.1% YoY	3.8% +4.1% YoY	50%
Efficiency Ratio	95.4% +2.0% YoY+8.1% QoQ	+4.8%	90.6% +6.5% YoY	125.8% +36.6% YoY	84.6% +2.8% YoY	79%
Delinquency Rate	1.9% +30.4% YoY-11.7% QoQ	+0.4	1.5% +3.8% YoY	1.6% +18.4% YoY	1.2% +3.4% YoY	80%
Loan To Share	66.5% +5.7% YoY+1.6% QoQ	+8.0%	58.5% -3.0% YoY	70.8% -3.6% YoY	65.6% -1.4% YoY	62%
AMR	$6,103 -1.5% YoY+1.1% QoQ	$-9K	$14,884 -1.7% YoY	$12,879 +3.3% YoY	$19,920 +1.6% YoY	Bottom 11.9% in tier
CD Concentration	9.5% -5.9% YoY-1.6% QoQ	-14.8%	24.3%	15.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	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 (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

151

Members Per Employee (MPE)

engagement

Value: 639.000

Peer Median: 333.750

#151 of 2508 Top 6.0% in <100M tier

Top Weaknesses (7 metrics)

2210

Average Member Relationship (AMR)

engagement

Value: $6,103

Peer Median: $13,926

#2210 of 2508 Bottom 11.9% in <100M tier

2193

Return on Assets (ROA)

profitability

Value: -0.57%

Peer Median: 0.61%

#2193 of 2508 Bottom 12.6% in <100M tier

2078

Asset Growth Rate

growth

Value: -4.20%

Peer Median: 1.30%

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

2054

Deposit Growth Rate

growth

Value: -5.00%

Peer Median: 0.66%

#2054 of 2508 Bottom 18.1% in <100M tier

2053

Loan-to-Member Ratio (LMR)

engagement

Value: $2,437

Peer Median: $4,923

#2053 of 2508 Bottom 18.2% in <100M tier

1996

Total Delinquency Rate (60+ days)

risk

Value: 1.89%

Peer Median: 0.65%

#1996 of 2508 Bottom 20.5% in <100M tier

1974

Efficiency Ratio

profitability

Value: 95.39%

Peer Median: 81.45%

#1974 of 2508 Bottom 21.3% in <100M tier