BlastPoint's Credit Union Scorecard
NORTH LITTLE ROCK EDUCATORS
Charter #24434 · AR
NORTH LITTLE ROCK EDUCATORS has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 18.94% above tier average
Key Concerns
Areas that may need attention
- - Efficiency ratio 74.63% above tier (higher cost structure)
- - Delinquency rate 20.44% above tier average
- - Member decline: -3.8% YoY
- - Asset Growth Rate: Bottom 0.3% in tier
- - Deposit Growth Rate: Bottom 0.5% in tier
- - Total Delinquency Rate (60+ days): Bottom 0.9% in tier
- - AMR Growth Rate: Bottom 1.1% in tier
- - Loan Growth Rate: Bottom 2.4% 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 -30.5% year over year ($481K in shares and deposits).
- Membership: 250 members, -3.8% vs a year ago.
- Delinquency rate 21.98%.
- Return on assets 20.44%.
- Efficiency ratio 163.39% vs a 88.77% peer average.
- Loan-to-share ratio 51.72% 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 |
250
-3.8% YoY+10.1% QoQ
|
-2.3K |
2,585
-1.7% YoY
|
8,161
+10.4% YoY
|
34,678
+6.6% YoY
|
Bottom 6.2% in tier |
| Assets |
$552,762
-33.1% YoY-13.3% QoQ
|
$-29.7M |
$30.3M
+1.5% YoY
|
$115.8M
+17.0% YoY
|
$593.1M
+10.2% YoY
|
Bottom 3.2% in tier |
| Loans |
$248,895
-31.9% YoY-9.4% QoQ
|
$-15.2M |
$15.5M
-1.7% YoY
|
$84.2M
+19.9% YoY
|
$418.6M
+10.1% YoY
|
Bottom 4.7% in tier |
| Deposits |
$481,199
-30.5% YoY-6.2% QoQ
|
$-25.3M |
$25.8M
+1.1% YoY
|
$93.4M
+13.5% YoY
|
$504.8M
+10.3% YoY
|
Bottom 3.7% in tier |
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| ROA |
20.4%
+2465.6% YoY-740.4% QoQ
|
+18.9% |
1.5%
+241.5% YoY
|
1.6%
+705.7% YoY
|
1.2%
+121.4% YoY
|
Top 0.4% in tier |
| NIM |
3.1%
-31.7% YoY-11.0% QoQ
|
-0.8% |
3.9%
+0.9% YoY
|
4.1%
-5.5% YoY
|
3.8%
+2.3% YoY
|
21% |
| Efficiency Ratio |
163.4%
+101.7% YoY+9.6% QoQ
|
+74.6% |
88.8%
-6.9% YoY
|
86.5%
+3.6% YoY
|
83.0%
-5.3% YoY
|
Bottom 2.1% in tier |
| Delinquency Rate |
22.0%
+4433.8% YoY+1530.6% QoQ
|
+20.4 |
1.5%
+2.1% YoY
|
1.9%
+36.9% YoY
|
1.3%
+2.6% YoY
|
Bottom 0.9% in tier |
| Loan To Share |
51.7%
-2.0% YoY-3.4% QoQ
|
-7.2% |
58.9%
-3.1% YoY
|
71.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
39% |
| AMR |
$2,920
-28.2% YoY-15.9% QoQ
|
$-12K |
$14,963
-6.8% YoY
|
$12,982
+3.9% YoY
|
$20,028
-0.9% YoY
|
Bottom 4.1% in tier |
| CD Concentration | 0.0% | -24.6% | 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)