BlastPoint's Credit Union Scorecard
WHITE COUNTY
Charter #24428 · AR
WHITE COUNTY has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.66% above tier average
- + Net Interest Margin 0.79% above tier average
- + Net Charge-Off Rate: Top 4.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.79% above tier average
- - Member decline: -3.2% YoY
- - Fee Income Per Member: Bottom 0.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,039
-3.2% YoY-1.6% QoQ
|
-637 |
2,676
+1.6% YoY
|
7,947
+7.9% YoY
|
33,913
+5.7% YoY
|
52% |
| Assets |
$17.6M
-3.8% YoY+2.5% QoQ
|
$-12.6M |
$30.2M
+1.3% YoY
|
$111.4M
+12.6% YoY
|
$578.3M
+9.0% YoY
|
45% |
| Loans |
$11.3M
-15.2% YoY-4.8% QoQ
|
$-4.0M |
$15.3M
-2.0% YoY
|
$80.4M
+16.0% YoY
|
$402.4M
+8.7% YoY
|
55% |
| Deposits |
$14.5M
-5.8% YoY+4.5% QoQ
|
$-11.3M |
$25.8M
+0.7% YoY
|
$90.2M
+11.4% YoY
|
$494.3M
+9.1% YoY
|
44% |
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| ROA |
0.8%
-34.7% YoY-41.9% QoQ
|
+0.7% |
0.1%
-77.6% YoY
|
-4.0%
+7873.5% YoY
|
0.4%
-39.2% YoY
|
60% |
| NIM |
4.8%
-6.6% YoY-10.5% QoQ
|
+0.8% |
4.0%
+4.0% YoY
|
4.1%
-8.1% YoY
|
3.8%
+4.1% YoY
|
Top 15.0% in tier |
| Efficiency Ratio |
81.0%
+15.2% YoY+12.3% QoQ
|
-9.6% |
90.6%
+6.5% YoY
|
125.8%
+36.6% YoY
|
84.6%
+2.8% YoY
|
49% |
| Delinquency Rate |
2.3%
+166.9% YoY-13.2% QoQ
|
+0.8 |
1.5%
+3.8% YoY
|
1.6%
+18.4% YoY
|
1.2%
+3.4% YoY
|
84% |
| Loan To Share |
78.0%
-10.0% YoY-9.0% QoQ
|
+19.5% |
58.5%
-3.0% YoY
|
70.8%
-3.6% YoY
|
65.6%
-1.4% YoY
|
79% |
| AMR |
$12,621
-7.2% YoY+1.8% QoQ
|
$-2K |
$14,884
-1.7% YoY
|
$12,879
+3.3% YoY
|
$19,920
+1.6% YoY
|
43% |
| CD Concentration |
31.6%
-11.2% YoY-5.7% QoQ
|
+7.3% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)