BlastPoint's Credit Union Scorecard
TELCOE
Charter #24202 · AR
TELCOE has 9 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 33.7% in tier
- + Organic Growth Engine: Top 46.3% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Assets: Top 0.5% in tier
- + Net Charge-Off Rate: Top 0.9% in tier
- + Members Per Employee (MPE): Top 1.3% in tier
- + Total Deposits: Top 2.0% in tier
- + Net Worth Ratio: Top 2.9% in tier
- + Total Delinquency Rate (60+ days): Top 5.4% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 8.2% in tier
- - ROA 0.27% below tier average
- - Net Interest Margin (NIM): Bottom 0.2% in tier
- - Loan-to-Share Ratio: Bottom 3.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
23,521
+3.6% YoY+4.8% QoQ
|
+8.1K |
15,437
-2.9% YoY
|
7,878
+8.0% YoY
|
33,374
+5.7% YoY
|
85% |
| Assets |
$494.4M
+6.9% YoY+1.0% QoQ
|
+$262.5M |
$231.9M
+1.3% YoY
|
$108.7M
+13.0% YoY
|
$561.6M
+9.7% YoY
|
Top 0.6% in tier |
| Loans |
$152.3M
+8.9% YoY+1.9% QoQ
|
+$5.0M |
$147.3M
-0.1% YoY
|
$78.6M
+14.7% YoY
|
$397.0M
+8.8% YoY
|
62% |
| Deposits |
$416.4M
+4.9% YoY+1.2% QoQ
|
+$215.6M |
$200.8M
+0.8% YoY
|
$88.8M
+14.2% YoY
|
$477.3M
+9.7% YoY
|
Top 2.1% in tier |
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| ROA |
0.5%
+278.6% YoY+9.5% QoQ
|
-0.3% |
0.8%
+18.2% YoY
|
-0.1%
-109.5% YoY
|
0.7%
+15.9% YoY
|
30% |
| NIM |
1.2%
+56.0% YoY+5.2% QoQ
|
-2.4% |
3.6%
+6.7% YoY
|
4.2%
+0.9% YoY
|
3.8%
+5.1% YoY
|
Bottom 0.1% in tier |
| Efficiency Ratio |
70.1%
-19.2% YoY-2.2% QoQ
|
-7.0% |
77.0%
-3.1% YoY
|
86.1%
+2.0% YoY
|
79.7%
-3.3% YoY
|
26% |
| Delinquency Rate |
0.1%
-7.8% YoY-55.6% QoQ
|
-0.8 |
0.9%
+4.2% YoY
|
1.8%
+15.7% YoY
|
1.3%
-2.1% YoY
|
Bottom 5.4% in tier |
| Loan To Share |
36.6%
+3.8% YoY+0.7% QoQ
|
-35.6% |
72.2%
-1.1% YoY
|
73.6%
-2.9% YoY
|
67.4%
-1.7% YoY
|
Bottom 3.2% in tier |
| AMR |
$24,180
+2.3% YoY-3.3% QoQ
|
$-496 |
$24,676
+3.4% YoY
|
$12,676
+2.7% YoY
|
$19,687
+2.0% YoY
|
59% |
| CD Concentration |
31.1%
+6.0% YoY+5.3% QoQ
|
+6.6% | 24.4% | 15.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.5% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (1)
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)