BlastPoint's Credit Union Scorecard
U.P. EMPLOYEES
Charter #24435 · AR
U.P. EMPLOYEES has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.68% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 1.8% in tier
Key Concerns
Areas that may need attention
- - ROA 6.84% below tier average
- - Efficiency ratio 92.87% above tier (higher cost structure)
- - Delinquency rate 1.50% above tier average
- - Asset Growth Rate: Bottom 2.7% in tier
- - Average Member Relationship (AMR): Bottom 6.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
919
0% YoY0% QoQ
|
-1.7K |
2,615
-1.9% YoY
|
7,878
+8.0% YoY
|
33,374
+5.7% YoY
|
26% |
| Assets |
$2.5M
-12.1% YoY-1.3% QoQ
|
$-27.6M |
$30.1M
+2.1% YoY
|
$108.7M
+13.0% YoY
|
$561.6M
+9.7% YoY
|
Bottom 11.3% in tier |
| Loans |
$1.6M
+28.5% YoY-6.0% QoQ
|
$-14.1M |
$15.8M
-1.3% YoY
|
$78.6M
+14.7% YoY
|
$397.0M
+8.8% YoY
|
15% |
| Deposits |
$2.3M
-1.7% YoY-0.2% QoQ
|
$-23.4M |
$25.7M
+1.4% YoY
|
$88.8M
+14.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 12.6% in tier |
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| ROA |
-6.2%
+35.1% YoY+10.3% QoQ
|
-6.8% |
0.6%
+10.8% YoY
|
-0.1%
-109.5% YoY
|
0.7%
+15.9% YoY
|
Bottom 0.8% in tier |
| NIM |
6.6%
+40.0% YoY-0.2% QoQ
|
+2.7% |
4.0%
+4.0% YoY
|
4.2%
+0.9% YoY
|
3.8%
+5.1% YoY
|
Top 1.9% in tier |
| Efficiency Ratio |
175.4%
-1.9% YoY+2.1% QoQ
|
+92.9% |
82.6%
-2.3% YoY
|
86.1%
+2.0% YoY
|
79.7%
-3.3% YoY
|
Top 1.4% in tier |
| Delinquency Rate |
3.1%
-45.5% YoY+301.2% QoQ
|
+1.5 |
1.6%
-3.1% YoY
|
1.8%
+15.7% YoY
|
1.3%
-2.1% YoY
|
Top 12.7% in tier |
| Loan To Share |
70.8%
+30.8% YoY-5.8% QoQ
|
+10.2% |
60.6%
-3.1% YoY
|
73.6%
-2.9% YoY
|
67.4%
-1.7% YoY
|
65% |
| AMR |
$4,260
+8.9% YoY-2.7% QoQ
|
$-11K |
$14,783
-1.4% YoY
|
$12,676
+2.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 6.6% in tier |
| CD Concentration |
5.2%
-10.7% YoY-12.2% QoQ
|
-19.2% | 24.4% | 15.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.5% | 7.8% | 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)