BlastPoint's Credit Union Scorecard
U.P. EMPLOYEES
Charter #24435 · AR
U.P. EMPLOYEES has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.80% above tier average
- + AMR Growth Rate: Top 0.1% in tier
- + Loan Growth Rate: Top 2.0% in tier
Key Concerns
Areas that may need attention
- - ROA 9.65% below tier average
- - Efficiency ratio 95.95% above tier (higher cost structure)
- - Delinquency rate 1.10% above tier average
- - Member decline: -49.2% YoY
- - Member Growth Rate: Bottom 0.3% in tier
- - Asset Growth Rate: Bottom 5.4% in tier
- - Net Charge-Off Rate: Bottom 9.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
467
-49.2% YoY-49.2% QoQ
|
-2.2K |
2,676
+1.6% YoY
|
7,947
+7.9% YoY
|
33,913
+5.7% YoY
|
Bottom 12.6% in tier |
| Assets |
$2.5M
-9.3% YoY-3.4% QoQ
|
$-27.7M |
$30.2M
+1.3% YoY
|
$111.4M
+12.6% YoY
|
$578.3M
+9.0% YoY
|
Bottom 11.0% in tier |
| Loans |
$1.6M
+27.5% YoY-2.6% QoQ
|
$-13.7M |
$15.3M
-2.0% YoY
|
$80.4M
+16.0% YoY
|
$402.4M
+8.7% YoY
|
15% |
| Deposits |
$2.3M
-2.9% YoY-0.1% QoQ
|
$-23.5M |
$25.8M
+0.7% YoY
|
$90.2M
+11.4% YoY
|
$494.3M
+9.1% YoY
|
Bottom 12.5% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-9.5%
+101.9% YoY+52.8% QoQ
|
-9.7% |
0.1%
-77.6% YoY
|
-4.0%
+7873.5% YoY
|
0.4%
-39.2% YoY
|
Bottom 0.8% in tier |
| NIM |
6.8%
+0.7% YoY+2.6% QoQ
|
+2.8% |
4.0%
+4.0% YoY
|
4.1%
-8.1% YoY
|
3.8%
+4.1% YoY
|
Top 1.6% in tier |
| Efficiency Ratio |
186.6%
+17.0% YoY+6.4% QoQ
|
+96.0% |
90.6%
+6.5% YoY
|
125.8%
+36.6% YoY
|
84.6%
+2.8% YoY
|
Bottom 2.0% in tier |
| Delinquency Rate |
2.6%
-33.3% YoY-14.8% QoQ
|
+1.1 |
1.5%
+3.8% YoY
|
1.6%
+18.4% YoY
|
1.2%
+3.4% YoY
|
Bottom 13.8% in tier |
| Loan To Share |
69.1%
+31.2% YoY-2.5% QoQ
|
+10.6% |
58.5%
-3.0% YoY
|
70.8%
-3.6% YoY
|
65.6%
-1.4% YoY
|
66% |
| AMR |
$8,289
+111.7% YoY+94.6% QoQ
|
$-7K |
$14,884
-1.7% YoY
|
$12,879
+3.3% YoY
|
$19,920
+1.6% YoY
|
20% |
| CD Concentration |
5.2%
-9.7% YoY+0.1% QoQ
|
-19.0% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.4% | 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)