BlastPoint's Credit Union Scorecard
TELCOE
Charter #24202 · AR
TELCOE has 8 strengths but faces 8 concerns
How does the industry compare?
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How does AR stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 6.3% in tier
- + Organic Growth Leader: Top 6.3% in tier
- + ROA 0.19% above tier average
- + Strong member growth: 7.2% YoY
- + Total Delinquency Rate (60+ days): Top 0.6% in tier
- + Net Worth Ratio: Top 0.6% in tier
- + Members Per Employee (MPE): Top 1.8% in tier
- + Member Growth Rate: Top 3.6% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 2.7% in tier
- - Credit Risk Growth: Bottom 25.5% in tier
- - Credit Quality Pressure: Bottom 40.3% in tier
- - Shrinking Wallet Share: Bottom 89.6% 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
- - Total Deposits: Bottom 3.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
23,838
+7.2% YoY+1.3% QoQ
|
-14.2K |
38,079
-4.8% YoY
|
7,947
+7.9% YoY
|
33,913
+5.7% YoY
|
Bottom 5.4% in tier |
| Assets |
$501.2M
+4.7% YoY+1.4% QoQ
|
$-118.4M |
$619.7M
-0.2% YoY
|
$111.4M
+12.6% YoY
|
$578.3M
+9.0% YoY
|
Bottom 1.8% in tier |
| Loans |
$153.6M
+7.9% YoY+0.8% QoQ
|
$-265.7M |
$419.3M
-1.4% YoY
|
$80.4M
+16.0% YoY
|
$402.4M
+8.7% YoY
|
Bottom 1.8% in tier |
| Deposits |
$422.0M
+3.8% YoY+1.4% QoQ
|
$-117.4M |
$539.5M
-0.1% YoY
|
$90.2M
+11.4% YoY
|
$494.3M
+9.1% YoY
|
Bottom 2.4% in tier |
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| ROA |
0.9%
+219.9% YoY+77.7% QoQ
|
+0.2% |
0.7%
+36.0% YoY
|
-4.0%
+7873.5% YoY
|
0.4%
-39.2% YoY
|
66% |
| NIM |
1.7%
+75.8% YoY+41.4% QoQ
|
-1.7% |
3.5%
+4.5% YoY
|
4.1%
-8.1% YoY
|
3.8%
+4.1% YoY
|
Bottom 0.1% in tier |
| Efficiency Ratio |
59.1%
-26.8% YoY-15.6% QoQ
|
-19.3% |
78.4%
-3.7% YoY
|
125.8%
+36.6% YoY
|
84.6%
+2.8% YoY
|
Top 4.2% in tier |
| Delinquency Rate |
0.1%
-23.7% QoQ
|
-0.6 |
0.7%
-0.9% YoY
|
1.6%
+18.4% YoY
|
1.2%
+3.4% YoY
|
Top 0.6% in tier |
| Loan To Share |
36.4%
+3.9% YoY-0.5% QoQ
|
-41.3% |
77.7%
-1.2% YoY
|
70.8%
-3.6% YoY
|
65.6%
-1.4% YoY
|
Bottom 2.4% in tier |
| AMR |
$24,148
-2.2% YoY-0.1% QoQ
|
$-3K |
$26,927
+3.1% YoY
|
$12,879
+3.3% YoY
|
$19,920
+1.6% YoY
|
42% |
| CD Concentration |
30.8%
+7.5% YoY-0.9% QoQ
|
+6.5% | 24.3% | 15.4% | 19.8% | 73% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.4% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (4)
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)