BlastPoint's Credit Union Scorecard
FORT ROOTS
Charter #24430 · AR
FORT ROOTS has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.35% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.07% below tier average
- - Efficiency ratio 2.44% above tier (higher cost structure)
- - Member decline: -2.1% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
872
-2.1% YoY-1.5% QoQ
|
-1.8K |
2,676
+1.6% YoY
|
7,947
+7.9% YoY
|
33,913
+5.7% YoY
|
25% |
| Assets |
$6.7M
+4.7% YoY+3.0% QoQ
|
$-23.5M |
$30.2M
+1.3% YoY
|
$111.4M
+12.6% YoY
|
$578.3M
+9.0% YoY
|
24% |
| Loans |
$2.6M
-13.2% YoY-2.6% QoQ
|
$-12.7M |
$15.3M
-2.0% YoY
|
$80.4M
+16.0% YoY
|
$402.4M
+8.7% YoY
|
22% |
| Deposits |
$5.8M
+4.1% YoY+3.8% QoQ
|
$-20.0M |
$25.8M
+0.7% YoY
|
$90.2M
+11.4% YoY
|
$494.3M
+9.1% YoY
|
25% |
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| ROA |
0.1%
-92.7% YoY-93.9% QoQ
|
-0.1% |
0.1%
-77.6% YoY
|
-4.0%
+7873.5% YoY
|
0.4%
-39.2% YoY
|
24% |
| NIM |
4.4%
-9.5% YoY-7.9% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
4.1%
-8.1% YoY
|
3.8%
+4.1% YoY
|
72% |
| Efficiency Ratio |
93.1%
+9.0% YoY+12.8% QoQ
|
+2.4% |
90.6%
+6.5% YoY
|
125.8%
+36.6% YoY
|
84.6%
+2.8% YoY
|
74% |
| Delinquency Rate |
0.7%
-73.3% YoY-2.2% QoQ
|
-0.8 |
1.5%
+3.8% YoY
|
1.6%
+18.4% YoY
|
1.2%
+3.4% YoY
|
50% |
| Loan To Share |
44.3%
-16.6% YoY-6.2% QoQ
|
-14.2% |
58.5%
-3.0% YoY
|
70.8%
-3.6% YoY
|
65.6%
-1.4% YoY
|
28% |
| AMR |
$9,546
+0.2% YoY+3.2% QoQ
|
$-5K |
$14,884
-1.7% YoY
|
$12,879
+3.3% YoY
|
$19,920
+1.6% YoY
|
26% |
| CD Concentration |
4.8%
+72.5% YoY-3.5% QoQ
|
-19.5% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % |
0.0%
-100.0% YoY
|
-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)