BlastPoint's Credit Union Scorecard
ARKANSAS TEACHERS
Charter #24433 · AR
2556 CUs in <100M nationally
43 in AR
ARKANSAS TEACHERS has 9 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.66% above tier average
- + Net Interest Margin 2.03% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 3.1% in tier
- + Asset Growth Rate: Top 5.7% in tier
- + Deposit Growth Rate: Top 7.0% in tier
- + Loan Growth Rate: Top 8.0% in tier
- + AMR Growth Rate: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 4.69% above tier average
- - Total Delinquency Rate (60+ days): Bottom 4.6% in tier
- - Members Per Employee (MPE): Bottom 7.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
615
+1.0% YoY0% QoQ
|
-2.0K |
2,615
-1.9% YoY
|
7,878
+8.0% YoY
|
33,374
+5.7% YoY
|
16% |
| Assets |
$2.6M
+12.1% YoY-0.3% QoQ
|
$-27.5M |
$30.1M
+2.1% YoY
|
$108.7M
+13.0% YoY
|
$561.6M
+9.7% YoY
|
Bottom 11.5% in tier |
| Loans |
$1.8M
+12.2% YoY-2.4% QoQ
|
$-14.0M |
$15.8M
-1.3% YoY
|
$78.6M
+14.7% YoY
|
$397.0M
+8.8% YoY
|
16% |
| Deposits |
$2.4M
+11.9% YoY-0.7% QoQ
|
$-23.3M |
$25.7M
+1.4% YoY
|
$88.8M
+14.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 13.1% in tier |
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| ROA |
1.3%
-18.3% YoY+10.7% QoQ
|
+0.7% |
0.6%
+10.8% YoY
|
-0.1%
-109.5% YoY
|
0.7%
+15.9% YoY
|
77% |
| NIM |
6.0%
-5.4% YoY+3.7% QoQ
|
+2.0% |
4.0%
+4.0% YoY
|
4.2%
+0.9% YoY
|
3.8%
+5.1% YoY
|
Top 4.0% in tier |
| Efficiency Ratio |
79.6%
+4.5% YoY+4.7% QoQ
|
-3.0% |
82.6%
-2.3% YoY
|
86.1%
+2.0% YoY
|
79.7%
-3.3% YoY
|
50% |
| Delinquency Rate |
6.2%
+138.1% YoY+34.4% QoQ
|
+4.7 |
1.6%
-3.1% YoY
|
1.8%
+15.7% YoY
|
1.3%
-2.1% YoY
|
Top 4.6% in tier |
| Loan To Share |
75.0%
+0.3% YoY-1.7% QoQ
|
+14.3% |
60.6%
-3.1% YoY
|
73.6%
-2.9% YoY
|
67.4%
-1.7% YoY
|
71% |
| AMR |
$6,748
+10.9% YoY-1.5% QoQ
|
$-8K |
$14,783
-1.4% YoY
|
$12,676
+2.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 14.1% in tier |
| CD Concentration |
0.2%
-7.2% YoY+1.7% QoQ
|
-24.3% | 24.4% | 15.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.5% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (11 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
80
Net Charge-Off Rate
risk
Value:
-0.13%
Peer Median: -
#80 of 2556
Top 3.1% in <100M tier
103
Net Interest Margin (NIM)
profitability
Value:
5.99%
Peer Median: -
#103 of 2556
Top 4.0% in <100M tier
146
Asset Growth Rate
growth
Value:
12.08%
Peer Median: -
#146 of 2556
Top 5.7% in <100M tier
179
Deposit Growth Rate
growth
Value:
11.91%
Peer Median: -
#179 of 2556
Top 7.0% in <100M tier
206
Loan Growth Rate
growth
Value:
12.20%
Peer Median: -
#206 of 2556
Top 8.0% in <100M tier
213
AMR Growth Rate
growth
Value:
10.94%
Peer Median: -
#213 of 2556
Top 8.3% in <100M tier
582
Share Certificate Concentration (%)
balance_sheet
Value:
0.16%
Peer Median: -
#582 of 2556
Top 22.7% in <100M tier
587
Return on Assets (ROA)
profitability
Value:
1.28%
Peer Median: -
#587 of 2556
Top 22.9% in <100M tier
Top Weaknesses (10 metrics)
2440
Total Delinquency Rate (60+ days)
risk
Value:
6.25%
Peer Median: -
#2440 of 2556
Bottom 4.6% in <100M tier
2358
Members Per Employee (MPE)
engagement
Value:
123.000
Peer Median: -
#2358 of 2556
Bottom 7.8% in <100M tier
2263
Total Assets
balance_sheet
Value:
$2.64M
Peer Median: -
#2263 of 2556
Bottom 11.5% in <100M tier
2220
Total Deposits
balance_sheet
Value:
$2.37M
Peer Median: -
#2220 of 2556
Bottom 13.2% in <100M tier
2195
Average Member Relationship (AMR)
engagement
Value:
$6,748
Peer Median: -
#2195 of 2556
Bottom 14.2% in <100M tier
2172
Net Worth Ratio
risk
Value:
9.80%
Peer Median: -
#2172 of 2556
Bottom 15.1% in <100M tier
2143
Total Loans
balance_sheet
Value:
$1.78M
Peer Median: -
#2143 of 2556
Bottom 16.2% in <100M tier
2129
Total Members
engagement
Value:
615
Peer Median: -
#2129 of 2556
Bottom 16.7% in <100M tier
2067
Fee Income Per Member
profitability
Value:
$11.30
Peer Median: -
#2067 of 2556
Bottom 19.2% in <100M tier
1985
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,891
Peer Median: -
#1985 of 2556
Bottom 22.4% in <100M tier