BlastPoint's Credit Union Scorecard
ELECTRIC COOPERATIVES
Charter #23361 · AR
ELECTRIC COOPERATIVES demonstrates 5 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.20% above tier average
- + Net Interest Margin 1.26% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 1.3% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,767
+0.2% YoY-0.5% QoQ
|
+151 |
2,615
-1.9% YoY
|
7,878
+8.0% YoY
|
33,374
+5.7% YoY
|
64% |
| Assets |
$16.8M
+6.9% YoY-4.0% QoQ
|
$-13.3M |
$30.1M
+2.1% YoY
|
$108.7M
+13.0% YoY
|
$561.6M
+9.7% YoY
|
44% |
| Loans |
$10.7M
+8.3% YoY-6.0% QoQ
|
$-5.1M |
$15.8M
-1.3% YoY
|
$78.6M
+14.7% YoY
|
$397.0M
+8.8% YoY
|
53% |
| Deposits |
$14.1M
+5.6% YoY-5.1% QoQ
|
$-11.6M |
$25.7M
+1.4% YoY
|
$88.8M
+14.2% YoY
|
$477.3M
+9.7% YoY
|
44% |
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| ROA |
1.8%
-9.3% YoY-12.6% QoQ
|
+1.2% |
0.6%
+10.8% YoY
|
-0.1%
-109.5% YoY
|
0.7%
+15.9% YoY
|
Top 9.5% in tier |
| NIM |
5.2%
-5.4% YoY+3.3% QoQ
|
+1.3% |
4.0%
+4.0% YoY
|
4.2%
+0.9% YoY
|
3.8%
+5.1% YoY
|
Top 10.4% in tier |
| Efficiency Ratio |
69.5%
-2.1% YoY+8.4% QoQ
|
-13.0% |
82.6%
-2.3% YoY
|
86.1%
+2.0% YoY
|
79.7%
-3.3% YoY
|
26% |
| Delinquency Rate |
0.1%
-7.0% YoY-68.3% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
1.8%
+15.7% YoY
|
1.3%
-2.1% YoY
|
16% |
| Loan To Share |
75.8%
+2.6% YoY-0.9% QoQ
|
+15.2% |
60.6%
-3.1% YoY
|
73.6%
-2.9% YoY
|
67.4%
-1.7% YoY
|
72% |
| AMR |
$8,929
+6.5% YoY-5.0% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$12,676
+2.7% YoY
|
$19,687
+2.0% YoY
|
23% |
| CD Concentration |
3.7%
+14.2% YoY-2.8% QoQ
|
-20.8% | 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)