BlastPoint's Credit Union Scorecard
WHITE COUNTY
Charter #24428 · AR
WHITE COUNTY has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.76% above tier average
- + Net Interest Margin 1.40% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.09% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,072
-1.6% YoY-13.5% QoQ
|
-543 |
2,615
-1.9% YoY
|
7,878
+8.0% YoY
|
33,374
+5.7% YoY
|
52% |
| Assets |
$17.2M
-1.6% YoY-2.5% QoQ
|
$-12.9M |
$30.1M
+2.1% YoY
|
$108.7M
+13.0% YoY
|
$561.6M
+9.7% YoY
|
45% |
| Loans |
$11.8M
-12.8% YoY-3.1% QoQ
|
$-3.9M |
$15.8M
-1.3% YoY
|
$78.6M
+14.7% YoY
|
$397.0M
+8.8% YoY
|
55% |
| Deposits |
$13.8M
-4.7% YoY-4.6% QoQ
|
$-11.9M |
$25.7M
+1.4% YoY
|
$88.8M
+14.2% YoY
|
$477.3M
+9.7% YoY
|
43% |
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| ROA |
1.4%
+102.4% YoY-12.2% QoQ
|
+0.8% |
0.6%
+10.8% YoY
|
-0.1%
-109.5% YoY
|
0.7%
+15.9% YoY
|
81% |
| NIM |
5.4%
+7.9% YoY+1.4% QoQ
|
+1.4% |
4.0%
+4.0% YoY
|
4.2%
+0.9% YoY
|
3.8%
+5.1% YoY
|
Top 8.6% in tier |
| Efficiency Ratio |
72.1%
-13.8% YoY+0.9% QoQ
|
-10.4% |
82.6%
-2.3% YoY
|
86.1%
+2.0% YoY
|
79.7%
-3.3% YoY
|
32% |
| Delinquency Rate |
2.6%
+69.2% YoY+113.8% QoQ
|
+1.1 |
1.6%
-3.1% YoY
|
1.8%
+15.7% YoY
|
1.3%
-2.1% YoY
|
84% |
| Loan To Share |
85.7%
-8.4% YoY+1.6% QoQ
|
+25.1% |
60.6%
-3.1% YoY
|
73.6%
-2.9% YoY
|
67.4%
-1.7% YoY
|
Top 14.6% in tier |
| AMR |
$12,391
-7.2% YoY+11.1% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$12,676
+2.7% YoY
|
$19,687
+2.0% YoY
|
42% |
| CD Concentration |
33.5%
-13.0% YoY+0.6% QoQ
|
+9.1% | 24.4% | 15.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.5% | 7.8% | 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)