BlastPoint's Credit Union Scorecard
VA HOSPITAL
Charter #24429 · AR
VA HOSPITAL has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.10% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.48% below tier average
- - Efficiency ratio 33.81% above tier (higher cost structure)
- - Member decline: -6.3% YoY
- - Loan Growth Rate: Bottom 8.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,537
-6.3% YoY-0.5% QoQ
|
-1.1K |
2,615
-1.9% YoY
|
7,878
+8.0% YoY
|
33,374
+5.7% YoY
|
41% |
| Assets |
$8.4M
-5.8% YoY-2.7% QoQ
|
$-21.7M |
$30.1M
+2.1% YoY
|
$108.7M
+13.0% YoY
|
$561.6M
+9.7% YoY
|
28% |
| Loans |
$4.7M
-17.0% YoY-3.6% QoQ
|
$-11.1M |
$15.8M
-1.3% YoY
|
$78.6M
+14.7% YoY
|
$397.0M
+8.8% YoY
|
32% |
| Deposits |
$7.5M
-5.9% YoY-3.2% QoQ
|
$-18.2M |
$25.7M
+1.4% YoY
|
$88.8M
+14.2% YoY
|
$477.3M
+9.7% YoY
|
30% |
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| ROA |
-0.9%
-635.5% YoY-23.0% QoQ
|
-1.5% |
0.6%
+10.8% YoY
|
-0.1%
-109.5% YoY
|
0.7%
+15.9% YoY
|
Bottom 6.5% in tier |
| NIM |
4.1%
+2.1% YoY+2.1% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
4.2%
+0.9% YoY
|
3.8%
+5.1% YoY
|
57% |
| Efficiency Ratio |
116.4%
+35.4% YoY-5.4% QoQ
|
+33.8% |
82.6%
-2.3% YoY
|
86.1%
+2.0% YoY
|
79.7%
-3.3% YoY
|
Top 4.7% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.6 |
1.6%
-3.1% YoY
|
1.8%
+15.7% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
63.0%
-11.9% YoY-0.4% QoQ
|
+2.3% |
60.6%
-3.1% YoY
|
73.6%
-2.9% YoY
|
67.4%
-1.7% YoY
|
53% |
| AMR |
$7,906
-4.5% YoY-2.8% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$12,676
+2.7% YoY
|
$19,687
+2.0% YoY
|
19% |
| CD Concentration |
10.5%
+1.7% YoY+0.4% QoQ
|
-13.9% | 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)