BlastPoint's Credit Union Scorecard
ARKANSAS TEACHERS
Charter #24433 · AR
<100M
2508 CUs in <100M nationally
43 in AR
ARKANSAS TEACHERS has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.08% above tier average
- + Net Interest Margin 1.41% above tier average
- + Asset Growth Rate: Top 4.4% in tier
- + Deposit Growth Rate: Top 5.7% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 5.09% above tier average
- - Total Delinquency Rate (60+ days): Bottom 4.0% in tier
- - Members Per Employee (MPE): Bottom 7.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
622
+1.5% YoY+1.1% QoQ
|
-2.1K |
2,676
+1.6% YoY
|
7,947
+7.9% YoY
|
33,913
+5.7% YoY
|
17% |
| Assets |
$2.7M
+12.4% YoY+0.8% QoQ
|
$-27.5M |
$30.2M
+1.3% YoY
|
$111.4M
+12.6% YoY
|
$578.3M
+9.0% YoY
|
Bottom 11.6% in tier |
| Loans |
$1.6M
+1.4% YoY-7.9% QoQ
|
$-13.6M |
$15.3M
-2.0% YoY
|
$80.4M
+16.0% YoY
|
$402.4M
+8.7% YoY
|
16% |
| Deposits |
$2.4M
+12.3% YoY+0.6% QoQ
|
$-23.4M |
$25.8M
+0.7% YoY
|
$90.2M
+11.4% YoY
|
$494.3M
+9.1% YoY
|
Bottom 13.0% in tier |
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| ROA |
1.2%
-25.6% YoY-3.9% QoQ
|
+1.1% |
0.1%
-77.6% YoY
|
-4.0%
+7873.5% YoY
|
0.4%
-39.2% YoY
|
77% |
| NIM |
5.4%
-14.8% YoY-9.5% QoQ
|
+1.4% |
4.0%
+4.0% YoY
|
4.1%
-8.1% YoY
|
3.8%
+4.1% YoY
|
Top 6.8% in tier |
| Efficiency Ratio |
77.8%
+3.8% YoY-2.3% QoQ
|
-12.9% |
90.6%
+6.5% YoY
|
125.8%
+36.6% YoY
|
84.6%
+2.8% YoY
|
41% |
| Delinquency Rate |
6.6%
+98.3% YoY+5.5% QoQ
|
+5.1 |
1.5%
+3.8% YoY
|
1.6%
+18.4% YoY
|
1.2%
+3.4% YoY
|
Bottom 4.0% in tier |
| Loan To Share |
68.6%
-9.7% YoY-8.4% QoQ
|
+10.1% |
58.5%
-3.0% YoY
|
70.8%
-3.6% YoY
|
65.6%
-1.4% YoY
|
65% |
| AMR |
$6,471
+6.1% YoY-4.1% QoQ
|
$-8K |
$14,884
-1.7% YoY
|
$12,879
+3.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 13.3% in tier |
| CD Concentration |
0.2%
-8.4% YoY-0.6% QoQ
|
-24.1% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.4% | 7.7% | 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 Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
112
Asset Growth Rate
growth
Value:
12.43%
Peer Median: 1.30%
#112 of 2508
Top 4.4% in <100M tier
145
Deposit Growth Rate
growth
Value:
12.31%
Peer Median: 0.66%
#145 of 2508
Top 5.7% in <100M tier
171
Net Interest Margin (NIM)
profitability
Value:
5.42%
Peer Median: 3.83%
#171 of 2508
Top 6.8% in <100M tier
262
Net Charge-Off Rate
risk
Value:
-0.08%
Peer Median: 0.07%
#262 of 2508
Top 10.4% in <100M tier
507
Member Growth Rate
growth
Value:
1.47%
Peer Median: -1.37%
#507 of 2508
Top 20.2% in <100M tier
521
AMR Growth Rate
growth
Value:
6.06%
Peer Median: 1.27%
#521 of 2508
Top 20.7% in <100M tier
566
Return on Assets (ROA)
profitability
Value:
1.23%
Peer Median: 0.61%
#566 of 2508
Top 22.5% in <100M tier
569
Share Certificate Concentration (%)
balance_sheet
Value:
0.16%
Peer Median: 12.45%
#569 of 2508
Top 22.6% in <100M tier
Top Weaknesses (10 metrics)
2409
Total Delinquency Rate (60+ days)
risk
Value:
6.59%
Peer Median: 0.65%
#2409 of 2508
Bottom 4.0% in <100M tier
2310
Members Per Employee (MPE)
engagement
Value:
124.400
Peer Median: 333.750
#2310 of 2508
Bottom 7.9% in <100M tier
2218
Total Assets
balance_sheet
Value:
$2.67M
Peer Median: $21.86M
#2218 of 2508
Bottom 11.6% in <100M tier
2183
Total Deposits
balance_sheet
Value:
$2.39M
Peer Median: $18.77M
#2183 of 2508
Bottom 13.0% in <100M tier
2175
Average Member Relationship (AMR)
engagement
Value:
$6,471
Peer Median: $13,926
#2175 of 2508
Bottom 13.3% in <100M tier
2151
Fee Income Per Member
profitability
Value:
$4.19
Peer Median: $60.42
#2151 of 2508
Bottom 14.3% in <100M tier
2114
Total Loans
balance_sheet
Value:
$1.64M
Peer Median: $9.48M
#2114 of 2508
Bottom 15.7% in <100M tier
2085
Total Members
engagement
Value:
622
Peer Median: 1,918
#2085 of 2508
Bottom 16.9% in <100M tier
2061
Net Worth Ratio
risk
Value:
10.03%
Peer Median: 14.28%
#2061 of 2508
Bottom 17.9% in <100M tier
1999
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,634
Peer Median: $4,923
#1999 of 2508
Bottom 20.3% in <100M tier