BlastPoint's Credit Union Scorecard
ELECTRIC COOPERATIVES
Charter #23361 · AR
ELECTRIC COOPERATIVES has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.97% above tier average
- + Net Interest Margin 0.74% above tier average
- + Members Per Employee (MPE): Top 2.2% in tier
- + Net Charge-Off Rate: Top 5.8% in tier
- + AMR Growth Rate: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Member decline: -6.4% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,581
-6.4% YoY-6.7% QoQ
|
-95 |
2,676
+1.6% YoY
|
7,947
+7.9% YoY
|
33,913
+5.7% YoY
|
62% |
| Assets |
$18.8M
+4.0% YoY+11.7% QoQ
|
$-11.4M |
$30.2M
+1.3% YoY
|
$111.4M
+12.6% YoY
|
$578.3M
+9.0% YoY
|
46% |
| Loans |
$10.1M
+4.9% YoY-5.1% QoQ
|
$-5.2M |
$15.3M
-2.0% YoY
|
$80.4M
+16.0% YoY
|
$402.4M
+8.7% YoY
|
52% |
| Deposits |
$15.9M
+2.7% YoY+13.4% QoQ
|
$-9.8M |
$25.8M
+0.7% YoY
|
$90.2M
+11.4% YoY
|
$494.3M
+9.1% YoY
|
46% |
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| ROA |
2.1%
-12.4% YoY+16.3% QoQ
|
+2.0% |
0.1%
-77.6% YoY
|
-4.0%
+7873.5% YoY
|
0.4%
-39.2% YoY
|
Top 5.2% in tier |
| NIM |
4.7%
-8.3% YoY-9.0% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
4.1%
-8.1% YoY
|
3.8%
+4.1% YoY
|
84% |
| Efficiency Ratio |
64.5%
+5.4% YoY-7.3% QoQ
|
-26.2% |
90.6%
+6.5% YoY
|
125.8%
+36.6% YoY
|
84.6%
+2.8% YoY
|
17% |
| Delinquency Rate |
0.0%
-59.9% YoY-23.4% QoQ
|
-1.5 |
1.5%
+3.8% YoY
|
1.6%
+18.4% YoY
|
1.2%
+3.4% YoY
|
16% |
| Loan To Share |
63.5%
+2.1% YoY-16.3% QoQ
|
+5.0% |
58.5%
-3.0% YoY
|
70.8%
-3.6% YoY
|
65.6%
-1.4% YoY
|
57% |
| AMR |
$10,093
+10.6% YoY+13.0% QoQ
|
$-5K |
$14,884
-1.7% YoY
|
$12,879
+3.3% YoY
|
$19,920
+1.6% YoY
|
29% |
| CD Concentration |
3.4%
+18.7% YoY-7.0% QoQ
|
-20.9% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.4% | 7.7% | 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)