BlastPoint's Credit Union Scorecard
FORT ROOTS
Charter #24430 · AR
FORT ROOTS has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.58% above tier average
- + Net Interest Margin 0.77% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Asset Growth Rate: Top 5.4% in tier
- + Deposit Growth Rate: Top 5.6% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.0% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
885
-3.0% YoY-0.8% QoQ
|
-1.7K |
2,615
-1.9% YoY
|
7,878
+8.0% YoY
|
33,374
+5.7% YoY
|
26% |
| Assets |
$6.5M
+12.4% YoY+2.6% QoQ
|
$-23.6M |
$30.1M
+2.1% YoY
|
$108.7M
+13.0% YoY
|
$561.6M
+9.7% YoY
|
24% |
| Loans |
$2.6M
-9.5% YoY-2.0% QoQ
|
$-13.1M |
$15.8M
-1.3% YoY
|
$78.6M
+14.7% YoY
|
$397.0M
+8.8% YoY
|
21% |
| Deposits |
$5.6M
+12.9% YoY+2.2% QoQ
|
$-20.1M |
$25.7M
+1.4% YoY
|
$88.8M
+14.2% YoY
|
$477.3M
+9.7% YoY
|
25% |
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| ROA |
1.2%
+3.1% YoY-12.4% QoQ
|
+0.6% |
0.6%
+10.8% YoY
|
-0.1%
-109.5% YoY
|
0.7%
+15.9% YoY
|
74% |
| NIM |
4.7%
-8.2% YoY-2.3% QoQ
|
+0.8% |
4.0%
+4.0% YoY
|
4.2%
+0.9% YoY
|
3.8%
+5.1% YoY
|
80% |
| Efficiency Ratio |
82.5%
+6.8% YoY+1.8% QoQ
|
-0.0% |
82.6%
-2.3% YoY
|
86.1%
+2.0% YoY
|
79.7%
-3.3% YoY
|
57% |
| Delinquency Rate |
0.7%
-30.9% YoY-9.7% QoQ
|
-0.9 |
1.6%
-3.1% YoY
|
1.8%
+15.7% YoY
|
1.3%
-2.1% YoY
|
48% |
| Loan To Share |
47.3%
-19.9% YoY-4.2% QoQ
|
-13.4% |
60.6%
-3.1% YoY
|
73.6%
-2.9% YoY
|
67.4%
-1.7% YoY
|
29% |
| AMR |
$9,247
+7.8% YoY+1.6% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$12,676
+2.7% YoY
|
$19,687
+2.0% YoY
|
24% |
| CD Concentration |
5.0%
+59.1% YoY+1.8% QoQ
|
-19.5% | 24.4% | 15.6% | 19.8% | 50% |
| Indirect Auto % |
0.0%
-100.0% YoY
|
-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)