BlastPoint's Credit Union Scorecard
TELCOE
Charter #24202 · AR
TELCOE has 8 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Credit Quality Leader: Top 57.8% in tier
- + Wallet Share Momentum: Top 93.3% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 0.6% in tier
- + Total Assets: Top 1.0% in tier
- + Net Charge-Off Rate: Top 2.4% in tier
- + Total Deposits: Top 2.6% in tier
- + Net Worth Ratio: Top 2.7% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 8.3% in tier
- - Credit Risk Growth: Bottom 11.2% in tier
- - Credit Quality Pressure: Bottom 15.3% in tier
- - Stagnation Risk: Bottom 29.6% in tier
- - Membership Headwinds: Bottom 32.3% in tier
- - ROA 0.34% below tier average
- - Net Interest Margin (NIM): Bottom 0.4% in tier
- - Loan-to-Share Ratio: Bottom 3.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
22,435
-0.6% YoY+0.4% QoQ
|
+6.8K |
15,628
-3.4% YoY
|
7,762
+8.3% YoY
|
33,089
+6.1% YoY
|
82% |
| Assets |
$489.3M
+3.9% YoY+0.9% QoQ
|
+$258.0M |
$231.3M
-0.0% YoY
|
$104.3M
+13.0% YoY
|
$547.7M
+7.8% YoY
|
Top 1.1% in tier |
| Loans |
$149.5M
+7.8% YoY+1.7% QoQ
|
+$1.7M |
$147.8M
-1.4% YoY
|
$74.9M
+12.6% YoY
|
$388.7M
+8.6% YoY
|
60% |
| Deposits |
$411.3M
+3.5% YoY-0.2% QoQ
|
+$211.0M |
$200.3M
-0.0% YoY
|
$86.6M
+15.8% YoY
|
$464.6M
+9.3% YoY
|
Top 2.7% in tier |
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| ROA |
0.4%
+465.4% YoY+30.7% QoQ
|
-0.3% |
0.8%
+15.5% YoY
|
0.2%
-67.2% YoY
|
0.7%
+273.4% YoY
|
28% |
| NIM |
1.2%
+64.6% YoY+11.0% QoQ
|
-2.4% |
3.6%
+6.9% YoY
|
4.4%
+6.8% YoY
|
3.7%
+5.0% YoY
|
Bottom 0.3% in tier |
| Efficiency Ratio |
71.7%
-23.0% YoY-6.7% QoQ
|
-5.6% |
77.3%
-3.0% YoY
|
83.8%
+0.9% YoY
|
79.1%
-3.3% YoY
|
30% |
| Delinquency Rate |
0.3%
+256.6% YoY+138.7% QoQ
|
-0.6 |
0.9%
+7.6% YoY
|
1.5%
-12.0% YoY
|
1.2%
-0.9% YoY
|
15% |
| Loan To Share |
36.3%
+4.2% YoY+1.9% QoQ
|
-36.4% |
72.7%
-1.5% YoY
|
73.4%
-3.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 3.1% in tier |
| AMR |
$24,997
+5.3% YoY-0.0% QoQ
|
+$633 |
$24,363
+2.9% YoY
|
$12,695
+3.6% YoY
|
$19,418
+1.3% YoY
|
64% |
| CD Concentration |
29.5%
-1.5% YoY+1.1% QoQ
|
+5.1% |
24.4%
+4.2% YoY
|
16.2%
+8.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.6%
-19.0% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
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.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)