BlastPoint's Credit Union Scorecard
ARKANSAS TEACHERS
Charter #24433 ยท AR
2596 CUs in <100M nationally
44 in AR
ARKANSAS TEACHERS has 9 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.47% above tier average
- + Net Interest Margin 1.84% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Asset Growth Rate: Top 3.5% in tier
- + Deposit Growth Rate: Top 4.0% in tier
- + AMR Growth Rate: Top 7.2% in tier
- + Net Charge-Off Rate: Top 8.0% in tier
- + Loan Growth Rate: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 3.14% above tier average
- - Total Delinquency Rate (60+ days): Bottom 6.7% in tier
- - Members Per Employee (MPE): Bottom 7.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
615
+1.2% YoY+0.3% QoQ
|
-2.0K |
2,625
-2.2% YoY
|
7,762
+8.3% YoY
|
33,089
+6.1% YoY
|
17% |
| Assets |
$2.7M
+14.5% YoY-1.1% QoQ
|
$-27.2M |
$29.9M
+1.1% YoY
|
$104.3M
+13.0% YoY
|
$547.7M
+7.8% YoY
|
Bottom 11.9% in tier |
| Loans |
$1.8M
+10.8% YoY+4.4% QoQ
|
$-13.9M |
$15.8M
-2.4% YoY
|
$74.9M
+12.6% YoY
|
$388.7M
+8.6% YoY
|
16% |
| Deposits |
$2.4M
+14.5% YoY-1.8% QoQ
|
$-23.1M |
$25.5M
+0.4% YoY
|
$86.6M
+15.8% YoY
|
$464.6M
+9.3% YoY
|
Bottom 13.4% in tier |
| ROA |
1.2%
-25.4% YoY+18.8% QoQ
|
+0.5% |
0.7%
-731.4% YoY
|
0.2%
-67.2% YoY
|
0.7%
+273.4% YoY
|
69% |
| NIM |
5.8%
-7.2% YoY-0.3% QoQ
|
+1.8% |
3.9%
+3.8% YoY
|
4.4%
+6.8% YoY
|
3.7%
+5.0% YoY
|
Top 5.4% in tier |
| Efficiency Ratio |
76.0%
+0.1% YoY-3.7% QoQ
|
-5.4% |
81.4%
-2.4% YoY
|
83.8%
+0.9% YoY
|
79.1%
-3.3% YoY
|
44% |
| Delinquency Rate |
4.6%
+50.6% YoY-5.5% QoQ
|
+3.1 |
1.5%
-2.0% YoY
|
1.5%
-12.0% YoY
|
1.2%
-0.9% YoY
|
Top 6.7% in tier |
| Loan To Share |
76.3%
-3.2% YoY+6.2% QoQ
|
+15.0% |
61.2%
-3.0% YoY
|
73.4%
-3.7% YoY
|
68.0%
-1.7% YoY
|
72% |
| AMR |
$6,848
+11.6% YoY+0.5% QoQ
|
$-8K |
$14,627
-2.7% YoY
|
$12,695
+3.6% YoY
|
$19,418
+1.3% YoY
|
Bottom 14.6% in tier |
| CD Concentration |
0.2%
-9.3% YoY+2.8% QoQ
|
-24.2% |
24.4%
+4.2% YoY
|
16.2%
+8.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
2.6%
-19.0% YoY
|
7.9%
-2.9% YoY
|
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 (10 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
92
Asset Growth Rate
growth
Value:
14.54%
Peer Avg: 1.82%
#92 of 2596
Top 3.5% in <100M tier
104
Deposit Growth Rate
growth
Value:
14.52%
Peer Avg: 16.80%
#104 of 2596
Top 4.0% in <100M tier
141
Net Interest Margin (NIM)
profitability
Value:
5.77%
Peer Avg: 3.93%
#141 of 2596
Top 5.4% in <100M tier
187
AMR Growth Rate
growth
Value:
11.61%
Peer Avg: 4.67%
#187 of 2596
Top 7.2% in <100M tier
208
Net Charge-Off Rate
risk
Value:
-0.01%
Peer Avg: 0.57%
#208 of 2596
Top 8.0% in <100M tier
247
Loan Growth Rate
growth
Value:
10.82%
Peer Avg: 59.01%
#247 of 2596
Top 9.5% in <100M tier
580
Member Growth Rate
growth
Value:
1.15%
Peer Avg: 14.92%
#580 of 2596
Top 22.3% in <100M tier
597
Share Certificate Concentration (%)
balance_sheet
Value:
0.16%
Peer Avg: 15.37%
#597 of 2596
Top 23.0% in <100M tier
Top Weaknesses (10 metrics)
2424
Total Delinquency Rate (60+ days)
risk
Value:
4.65%
Peer Avg: 1.51%
#2424 of 2596
Bottom 6.7% in <100M tier
2398
Members Per Employee (MPE)
engagement
Value:
123.000
Peer Avg: 365.701
#2398 of 2596
Bottom 7.7% in <100M tier
2286
Net Worth Ratio
risk
Value:
9.37%
Peer Avg: 16.43%
#2286 of 2596
Bottom 12.0% in <100M tier
2286
Total Assets
balance_sheet
Value:
$2.65M
Peer Avg: $29.86M
#2286 of 2596
Bottom 12.0% in <100M tier
2249
Total Deposits
balance_sheet
Value:
$2.39M
Peer Avg: $25.45M
#2249 of 2596
Bottom 13.4% in <100M tier
2218
Average Member Relationship (AMR)
engagement
Value:
$6,848
Peer Avg: $14,627
#2218 of 2596
Bottom 14.6% in <100M tier
2169
Total Loans
balance_sheet
Value:
$1.82M
Peer Avg: $15.77M
#2169 of 2596
Bottom 16.5% in <100M tier
2156
Total Members
engagement
Value:
615
Peer Avg: 2,626
#2156 of 2596
Bottom 17.0% in <100M tier
2155
Fee Income Per Member
profitability
Value:
$7.91
Peer Avg: $182.96
#2155 of 2596
Bottom 17.0% in <100M tier
1995
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,963
Peer Avg: $5,488
#1995 of 2596
Bottom 23.2% in <100M tier