BlastPoint's Credit Union Scorecard
ARKANSAS TEACHERS
Charter #24433 · AR
ARKANSAS TEACHERS has 1 strength but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.90% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.19% below tier average
- - Delinquency rate 9.67% above tier average
- - Total Delinquency Rate (60+ days): Bottom 1.9% in tier
- - Deposit Growth Rate: Bottom 5.7% in tier
- - Asset Growth Rate: Bottom 6.6% in tier
- - Members Per Employee (MPE): Bottom 7.6% in tier
- - AMR Growth Rate: Bottom 9.4% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 42 that size in Arkansas.
- Shares and deposits -11.5% year over year ($2.2M in shares and deposits).
- Membership: 622 members, +1.5% vs a year ago.
- Delinquency rate 11.22%.
- Return on assets 1.30%.
- Efficiency ratio 78.20% vs a 88.77% peer average.
- Loan-to-share ratio 80.31% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
622
+1.5% YoY0% QoQ
|
-2.0K |
2,585
-1.7% YoY
|
8,161
+10.4% YoY
|
34,678
+6.6% YoY
|
17% |
| Assets |
$2.4M
-9.0% YoY-8.5% QoQ
|
$-27.8M |
$30.3M
+1.5% YoY
|
$115.8M
+17.0% YoY
|
$593.1M
+10.2% YoY
|
Bottom 10.7% in tier |
| Loans |
$1.7M
-1.0% YoY+5.5% QoQ
|
$-13.7M |
$15.5M
-1.7% YoY
|
$84.2M
+19.9% YoY
|
$418.6M
+10.1% YoY
|
16% |
| Deposits |
$2.2M
-11.5% YoY-9.8% QoQ
|
$-23.7M |
$25.8M
+1.1% YoY
|
$93.4M
+13.5% YoY
|
$504.8M
+10.3% YoY
|
Bottom 11.7% in tier |
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| ROA |
1.3%
+33.8% YoY+5.8% QoQ
|
-0.2% |
1.5%
+241.5% YoY
|
1.6%
+705.7% YoY
|
1.2%
+121.4% YoY
|
73% |
| NIM |
5.8%
+0.1% YoY+6.9% QoQ
|
+1.9% |
3.9%
+0.9% YoY
|
4.1%
-5.5% YoY
|
3.8%
+2.3% YoY
|
Top 4.4% in tier |
| Efficiency Ratio |
78.2%
-0.9% YoY+0.6% QoQ
|
-10.6% |
88.8%
-6.9% YoY
|
86.5%
+3.6% YoY
|
83.0%
-5.3% YoY
|
44% |
| Delinquency Rate |
11.2%
+128.1% YoY+70.2% QoQ
|
+9.7 |
1.5%
+2.1% YoY
|
1.9%
+36.9% YoY
|
1.3%
+2.6% YoY
|
Bottom 1.9% in tier |
| Loan To Share |
80.3%
+11.9% YoY+17.0% QoQ
|
+21.4% |
58.9%
-3.1% YoY
|
71.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
81% |
| AMR |
$6,238
-8.5% YoY-3.6% QoQ
|
$-9K |
$14,963
-6.8% YoY
|
$12,982
+3.9% YoY
|
$20,028
-0.9% YoY
|
Bottom 12.1% in tier |
| CD Concentration |
0.2%
+15.3% YoY+11.0% QoQ
|
-24.4% | 24.6% | 15.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.2% | 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)