BlastPoint's Credit Union Scorecard
NORTH LITTLE ROCK EDUCATORS
Charter #24434 · AR
2556 CUs in <100M nationally
43 in AR
NORTH LITTLE ROCK EDUCATORS has 7 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.85% above tier average
- + Strong member growth: 6.1% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 4.1% in tier
- + Member Growth Rate: Top 4.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.60% below tier average
- - Efficiency ratio 15.54% above tier (higher cost structure)
- - Deposit Growth Rate: Bottom 1.0% in tier
- - Asset Growth Rate: Bottom 1.1% in tier
- - AMR Growth Rate: Bottom 1.3% in tier
- - Total Assets: Bottom 3.8% in tier
- - Total Deposits: Bottom 4.1% in tier
- - Average Member Relationship (AMR): Bottom 4.4% in tier
- - Total Loans: Bottom 5.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.9% in tier
- - Total Members: Bottom 7.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
280
+6.1% YoY-1.1% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
7,878
+8.0% YoY
|
33,374
+5.7% YoY
|
Bottom 7.1% in tier |
| Assets |
$626,527
-21.7% YoY-13.9% QoQ
|
$-29.5M |
$30.1M
+2.1% YoY
|
$108.7M
+13.0% YoY
|
$561.6M
+9.7% YoY
|
Bottom 3.8% in tier |
| Loans |
$304,454
-10.2% YoY-9.3% QoQ
|
$-15.5M |
$15.8M
-1.3% YoY
|
$78.6M
+14.7% YoY
|
$397.0M
+8.8% YoY
|
Bottom 5.1% in tier |
| Deposits |
$494,945
-26.5% YoY-17.6% QoQ
|
$-25.2M |
$25.7M
+1.4% YoY
|
$88.8M
+14.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 4.1% in tier |
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| ROA |
0.0%
-97.9% YoY-103.8% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
-0.1%
-109.5% YoY
|
0.7%
+15.9% YoY
|
18% |
| NIM |
4.8%
+0.0% YoY+14.0% QoQ
|
+0.8% |
4.0%
+4.0% YoY
|
4.2%
+0.9% YoY
|
3.8%
+5.1% YoY
|
81% |
| Efficiency Ratio |
98.1%
+24.3% YoY-13.9% QoQ
|
+15.5% |
82.6%
-2.3% YoY
|
86.1%
+2.0% YoY
|
79.7%
-3.3% YoY
|
Top 13.3% in tier |
| Delinquency Rate |
1.0%
+115.2% YoY
|
-0.6 |
1.6%
-3.1% YoY
|
1.8%
+15.7% YoY
|
1.3%
-2.1% YoY
|
60% |
| Loan To Share |
61.5%
+22.2% YoY+10.2% QoQ
|
+0.9% |
60.6%
-3.1% YoY
|
73.6%
-2.9% YoY
|
67.4%
-1.7% YoY
|
51% |
| AMR |
$2,855
-25.5% YoY-13.7% QoQ
|
$-12K |
$14,783
-1.4% YoY
|
$12,676
+2.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 4.4% in tier |
| CD Concentration | 0.0% | -24.4% | 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 (7 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
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
105
Net Charge-Off Rate
risk
Value:
-0.06%
Peer Median: -
#105 of 2556
Top 4.1% in <100M tier
127
Member Growth Rate
growth
Value:
6.06%
Peer Median: -
#127 of 2556
Top 4.9% in <100M tier
477
Net Interest Margin (NIM)
profitability
Value:
4.80%
Peer Median: -
#477 of 2556
Top 18.6% in <100M tier
573
Net Worth Ratio
risk
Value:
20.01%
Peer Median: -
#573 of 2556
Top 22.4% in <100M tier
Top Weaknesses (13 metrics)
2532
Deposit Growth Rate
growth
Value:
-26.48%
Peer Median: -
#2532 of 2556
Bottom 1.0% in <100M tier
2530
Asset Growth Rate
growth
Value:
-21.72%
Peer Median: -
#2530 of 2556
Bottom 1.1% in <100M tier
2524
AMR Growth Rate
growth
Value:
-25.53%
Peer Median: -
#2524 of 2556
Bottom 1.3% in <100M tier
2459
Total Assets
balance_sheet
Value:
$626,527
Peer Median: -
#2459 of 2556
Bottom 3.8% in <100M tier
2451
Total Deposits
balance_sheet
Value:
$494,945
Peer Median: -
#2451 of 2556
Bottom 4.1% in <100M tier
2444
Average Member Relationship (AMR)
engagement
Value:
$2,855
Peer Median: -
#2444 of 2556
Bottom 4.4% in <100M tier
2426
Total Loans
balance_sheet
Value:
$304,454
Peer Median: -
#2426 of 2556
Bottom 5.1% in <100M tier
2405
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,087
Peer Median: -
#2405 of 2556
Bottom 5.9% in <100M tier
2374
Total Members
engagement
Value:
280
Peer Median: -
#2374 of 2556
Bottom 7.2% in <100M tier
2263
Fee Income Per Member
profitability
Value:
$3.48
Peer Median: -
#2263 of 2556
Bottom 11.5% in <100M tier