BlastPoint's Credit Union Scorecard
UNITED ARKANSAS
Charter #23952 · AR
2596 CUs in <100M nationally
44 in AR
UNITED ARKANSAS has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.83% above tier average
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 9.23% below tier average
- - Efficiency ratio 96.58% above tier (higher cost structure)
- - Delinquency rate 0.48% above tier average
- - Member decline: -8.5% YoY
- - Net Worth Ratio: Bottom 0.3% in tier
- - Net Charge-Off Rate: Bottom 1.8% in tier
- - Asset Growth Rate: Bottom 3.6% in tier
- - Member Growth Rate: Bottom 7.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,856
-8.5% YoY-10.7% QoQ
|
+230 |
2,625
-2.2% YoY
|
7,762
+8.3% YoY
|
33,089
+6.1% YoY
|
65% |
| Assets |
$23.2M
-12.0% YoY-3.4% QoQ
|
$-6.7M |
$29.9M
+1.1% YoY
|
$104.3M
+13.0% YoY
|
$547.7M
+7.8% YoY
|
52% |
| Loans |
$15.4M
-10.6% YoY-5.6% QoQ
|
$-351K |
$15.8M
-2.4% YoY
|
$74.9M
+12.6% YoY
|
$388.7M
+8.6% YoY
|
62% |
| Deposits |
$21.9M
-6.2% YoY-0.8% QoQ
|
$-3.6M |
$25.5M
+0.4% YoY
|
$86.6M
+15.8% YoY
|
$464.6M
+9.3% YoY
|
55% |
| ROA |
-8.5%
+394.2% YoY+87.7% QoQ
|
-9.2% |
0.7%
-731.4% YoY
|
0.2%
-67.2% YoY
|
0.7%
+273.4% YoY
|
Bottom 0.6% in tier |
| NIM |
4.8%
+20.7% YoY+5.7% QoQ
|
+0.8% |
3.9%
+3.8% YoY
|
4.4%
+6.8% YoY
|
3.7%
+5.0% YoY
|
80% |
| Efficiency Ratio |
178.0%
+56.2% YoY+47.8% QoQ
|
+96.6% |
81.4%
-2.4% YoY
|
83.8%
+0.9% YoY
|
79.1%
-3.3% YoY
|
Top 1.7% in tier |
| Delinquency Rate |
2.0%
-37.1% YoY-46.4% QoQ
|
+0.5 |
1.5%
-2.0% YoY
|
1.5%
-12.0% YoY
|
1.2%
-0.9% YoY
|
80% |
| Loan To Share |
70.4%
-4.7% YoY-4.9% QoQ
|
+9.2% |
61.2%
-3.0% YoY
|
73.4%
-3.7% YoY
|
68.0%
-1.7% YoY
|
63% |
| AMR |
$13,061
+0.5% YoY+8.8% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$12,695
+3.6% YoY
|
$19,418
+1.3% YoY
|
46% |
| CD Concentration |
18.0%
+61.2% YoY+8.3% QoQ
|
-6.4% |
24.4%
+4.2% YoY
|
16.2%
+8.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
0.4%
-59.7% YoY-17.6% QoQ
|
-13.5% |
14.0%
-5.8% YoY
|
2.6%
-19.0% YoY
|
7.9%
-2.9% YoY
|
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)
Top Strengths (3 metrics)
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
451
Fee Income Per Member
profitability
Value:
$138.61
Peer Avg: $182.96
#451 of 2596
Top 17.3% in <100M tier
507
Net Interest Margin (NIM)
profitability
Value:
4.76%
Peer Avg: 3.93%
#507 of 2596
Top 19.5% in <100M tier
Top Weaknesses (10 metrics)
2590
Net Worth Ratio
risk
Value:
3.56%
Peer Avg: 16.43%
#2590 of 2596
Bottom 0.3% in <100M tier
2580
Return on Assets (ROA)
profitability
Value:
-8.54%
Peer Avg: 0.68%
#2580 of 2596
Bottom 0.7% in <100M tier
2554
Efficiency Ratio
profitability
Value:
177.97%
Peer Avg: 81.39%
#2554 of 2596
Bottom 1.7% in <100M tier
2550
Net Charge-Off Rate
risk
Value:
4.56%
Peer Avg: 0.57%
#2550 of 2596
Bottom 1.8% in <100M tier
2503
Asset Growth Rate
growth
Value:
-11.99%
Peer Avg: 1.82%
#2503 of 2596
Bottom 3.6% in <100M tier
2400
Member Growth Rate
growth
Value:
-8.55%
Peer Avg: 14.92%
#2400 of 2596
Bottom 7.6% in <100M tier
2240
Deposit Growth Rate
growth
Value:
-6.23%
Peer Avg: 16.80%
#2240 of 2596
Bottom 13.8% in <100M tier
2215
Indirect Auto Concentration (%)
balance_sheet
Value:
0.42%
Peer Avg: 2.84%
#2215 of 2596
Bottom 14.7% in <100M tier
2092
Loan Growth Rate
growth
Value:
-10.61%
Peer Avg: 59.01%
#2092 of 2596
Bottom 19.5% in <100M tier
2065
Total Delinquency Rate (60+ days)
risk
Value:
1.99%
Peer Avg: 1.51%
#2065 of 2596
Bottom 20.5% in <100M tier