BlastPoint's Credit Union Scorecard
TELCOE
Charter #24202 · AR
TELCOE has 8 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does AR stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 7.9% in tier
- + Organic Growth Engine: Top 7.9% in tier
- + Strong member growth: 6.0% YoY
- + Net Worth Ratio: Top 0.6% in tier
- + Net Charge-Off Rate: Top 1.2% in tier
- + Members Per Employee (MPE): Top 1.8% in tier
- + Total Delinquency Rate (60+ days): Top 3.0% in tier
- + Member Growth Rate: Top 7.3% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 3.0% in tier
- - Credit Risk Growth: Bottom 32.5% in tier
- - Credit Quality Pressure: Bottom 51.0% in tier
- - Shrinking Wallet Share: Bottom 90.6% in tier
- - Net Interest Margin (NIM): Bottom 0.6% in tier
- - Total Assets: Bottom 2.4% in tier
- - Total Loans: Bottom 2.4% in tier
- - Loan-to-Share Ratio: Bottom 3.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 1 that size in Arkansas.
- Shares and deposits +2.7% year over year ($423M in shares and deposits).
- Membership: 23,699 members, +6.0% vs a year ago.
- Delinquency rate 0.12%.
- Return on assets 0.81%.
- Efficiency ratio 61.00% vs a 76.56% peer average.
- Loan-to-share ratio 37.01% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
23,699
+6.0% YoY-0.6% QoQ
|
-14.2K |
37,897
-5.0% YoY
|
8,161
+10.4% YoY
|
34,678
+6.6% YoY
|
Bottom 5.5% in tier |
| Assets |
$503.4M
+3.8% YoY+0.4% QoQ
|
$-119.0M |
$622.4M
+0.6% YoY
|
$115.8M
+17.0% YoY
|
$593.1M
+10.2% YoY
|
Bottom 1.8% in tier |
| Loans |
$156.6M
+6.6% YoY+1.9% QoQ
|
$-271.9M |
$428.5M
-0.7% YoY
|
$84.2M
+19.9% YoY
|
$418.6M
+10.1% YoY
|
Bottom 1.8% in tier |
| Deposits |
$423.1M
+2.7% YoY+0.3% QoQ
|
$-116.6M |
$539.8M
+0.9% YoY
|
$93.4M
+13.5% YoY
|
$504.8M
+10.3% YoY
|
Bottom 3.0% in tier |
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| ROA |
0.8%
+134.4% YoY-7.8% QoQ
|
+0.0% |
0.8%
+39.5% YoY
|
1.6%
+705.7% YoY
|
1.2%
+121.4% YoY
|
56% |
| NIM |
1.7%
+61.7% YoY-2.1% QoQ
|
-1.8% |
3.5%
+5.0% YoY
|
4.1%
-5.5% YoY
|
3.8%
+2.3% YoY
|
Bottom 0.1% in tier |
| Efficiency Ratio |
61.0%
-20.5% YoY+3.2% QoQ
|
-15.6% |
76.6%
-3.6% YoY
|
86.5%
+3.6% YoY
|
83.0%
-5.3% YoY
|
Top 7.9% in tier |
| Delinquency Rate |
0.1%
+10.1% YoY+36.1% QoQ
|
-0.7 |
0.8%
+3.1% YoY
|
1.9%
+36.9% YoY
|
1.3%
+2.6% YoY
|
Top 3.0% in tier |
| Loan To Share |
37.0%
+3.8% YoY+1.7% QoQ
|
-42.3% |
79.3%
-1.4% YoY
|
71.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 2.4% in tier |
| AMR |
$24,461
-2.2% YoY+1.3% QoQ
|
$-3K |
$27,294
+4.1% YoY
|
$12,982
+3.9% YoY
|
$20,028
-0.9% YoY
|
41% |
| CD Concentration |
30.5%
+4.6% YoY-0.9% QoQ
|
+6.0% | 24.6% | 15.4% | 20.0% | 72% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.2% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)