BlastPoint's Credit Union Scorecard
U.P. EMPLOYEES
Charter #24435 ยท AR
2596 CUs in <100M nationally
44 in AR
U.P. EMPLOYEES has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.71% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 0.6% in tier
- + AMR Growth Rate: Top 6.9% in tier
Key Concerns
Areas that may need attention
- - ROA 6.32% below tier average
- - Efficiency ratio 90.40% above tier (higher cost structure)
- - Asset Growth Rate: Bottom 2.0% in tier
- - Average Member Relationship (AMR): Bottom 7.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
919
0% YoY0% QoQ
|
-1.7K |
2,625
-2.2% YoY
|
7,762
+8.3% YoY
|
33,089
+6.1% YoY
|
26% |
| Assets |
$2.6M
-14.1% YoY-2.2% QoQ
|
$-27.3M |
$29.9M
+1.1% YoY
|
$104.3M
+13.0% YoY
|
$547.7M
+7.8% YoY
|
Bottom 11.7% in tier |
| Loans |
$1.7M
+42.5% YoY+16.5% QoQ
|
$-14.0M |
$15.8M
-2.4% YoY
|
$74.9M
+12.6% YoY
|
$388.7M
+8.6% YoY
|
16% |
| Deposits |
$2.3M
-3.7% YoY-0.9% QoQ
|
$-23.2M |
$25.5M
+0.4% YoY
|
$86.6M
+15.8% YoY
|
$464.6M
+9.3% YoY
|
Bottom 12.9% in tier |
| ROA |
-5.6%
+61.8% YoY+2.7% QoQ
|
-6.3% |
0.7%
-731.4% YoY
|
0.2%
-67.2% YoY
|
0.7%
+273.4% YoY
|
Bottom 0.9% in tier |
| NIM |
6.6%
+45.9% YoY+2.8% QoQ
|
+2.7% |
3.9%
+3.8% YoY
|
4.4%
+6.8% YoY
|
3.7%
+5.0% YoY
|
Top 2.2% in tier |
| Efficiency Ratio |
171.8%
+7.1% YoY+0.2% QoQ
|
+90.4% |
81.4%
-2.4% YoY
|
83.8%
+0.9% YoY
|
79.1%
-3.3% YoY
|
Top 1.9% in tier |
| Delinquency Rate |
0.8%
-77.1% YoY-35.9% QoQ
|
-0.7 |
1.5%
-2.0% YoY
|
1.5%
-12.0% YoY
|
1.2%
-0.9% YoY
|
54% |
| Loan To Share |
75.2%
+47.9% YoY+17.6% QoQ
|
+14.0% |
61.2%
-3.0% YoY
|
73.4%
-3.7% YoY
|
68.0%
-1.7% YoY
|
70% |
| AMR |
$4,379
+11.9% YoY+5.9% QoQ
|
$-10K |
$14,627
-2.7% YoY
|
$12,695
+3.6% YoY
|
$19,418
+1.3% YoY
|
Bottom 7.3% in tier |
| CD Concentration |
6.0%
+4.1% YoY+0.9% QoQ
|
-18.4% |
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 (6 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
16
Loan Growth Rate
growth
Value:
42.51%
Peer Avg: 59.01%
#16 of 2596
Top 0.6% in <100M tier
58
Net Interest Margin (NIM)
profitability
Value:
6.65%
Peer Avg: 3.93%
#58 of 2596
Top 2.2% in <100M tier
181
AMR Growth Rate
growth
Value:
11.90%
Peer Avg: 4.67%
#181 of 2596
Top 6.9% in <100M tier
499
Members Per Employee (MPE)
engagement
Value:
459.500
Peer Avg: 365.701
#499 of 2596
Top 19.2% in <100M tier
Top Weaknesses (10 metrics)
2572
Return on Assets (ROA)
profitability
Value:
-5.64%
Peer Avg: 0.68%
#2572 of 2596
Bottom 1.0% in <100M tier
2547
Efficiency Ratio
profitability
Value:
171.79%
Peer Avg: 81.39%
#2547 of 2596
Bottom 1.9% in <100M tier
2544
Asset Growth Rate
growth
Value:
-14.11%
Peer Avg: 1.82%
#2544 of 2596
Bottom 2.0% in <100M tier
2406
Average Member Relationship (AMR)
engagement
Value:
$4,379
Peer Avg: $14,627
#2406 of 2596
Bottom 7.4% in <100M tier
2293
Total Assets
balance_sheet
Value:
$2.58M
Peer Avg: $29.86M
#2293 of 2596
Bottom 11.7% in <100M tier
2292
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,880
Peer Avg: $5,488
#2292 of 2596
Bottom 11.7% in <100M tier
2286
Net Charge-Off Rate
risk
Value:
1.15%
Peer Avg: 0.57%
#2286 of 2596
Bottom 12.0% in <100M tier
2260
Total Deposits
balance_sheet
Value:
$2.30M
Peer Avg: $25.45M
#2260 of 2596
Bottom 13.0% in <100M tier
2183
Total Loans
balance_sheet
Value:
$1.73M
Peer Avg: $15.77M
#2183 of 2596
Bottom 15.9% in <100M tier
1999
Deposit Growth Rate
growth
Value:
-3.66%
Peer Avg: 16.80%
#1999 of 2596
Bottom 23.0% in <100M tier