BlastPoint's Credit Union Scorecard
U.P. EMPLOYEES
Charter #24435 · AR
U.P. EMPLOYEES has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 7.10% above tier average
- + Net Interest Margin 2.39% above tier average
- + AMR Growth Rate: Top 0.9% in tier
- + Loan Growth Rate: Top 4.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 102.92% above tier (higher cost structure)
- - Delinquency rate 0.77% above tier average
- - Member decline: -21.1% YoY
- - Member Growth Rate: Bottom 1.7% 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 +8.3% year over year ($2.5M in shares and deposits).
- Membership: 725 members, -21.1% vs a year ago.
- Delinquency rate 2.32%.
- Return on assets 8.60%.
- Efficiency ratio 191.69% vs a 88.77% peer average.
- Loan-to-share ratio 69.10% 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 |
725
-21.1% YoY+55.2% QoQ
|
-1.9K |
2,585
-1.7% YoY
|
8,161
+10.4% YoY
|
34,678
+6.6% YoY
|
21% |
| Assets |
$2.6M
-0.6% YoY+6.6% QoQ
|
$-27.7M |
$30.3M
+1.5% YoY
|
$115.8M
+17.0% YoY
|
$593.1M
+10.2% YoY
|
Bottom 11.2% in tier |
| Loans |
$1.7M
+17.0% YoY+9.6% QoQ
|
$-13.7M |
$15.5M
-1.7% YoY
|
$84.2M
+19.9% YoY
|
$418.6M
+10.1% YoY
|
16% |
| Deposits |
$2.5M
+8.3% YoY+9.6% QoQ
|
$-23.3M |
$25.8M
+1.1% YoY
|
$93.4M
+13.5% YoY
|
$504.8M
+10.3% YoY
|
Bottom 13.2% in tier |
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| ROA |
8.6%
-256.5% YoY-190.4% QoQ
|
+7.1% |
1.5%
+241.5% YoY
|
1.6%
+705.7% YoY
|
1.2%
+121.4% YoY
|
Top 0.9% in tier |
| NIM |
6.3%
-2.7% YoY-7.6% QoQ
|
+2.4% |
3.9%
+0.9% YoY
|
4.1%
-5.5% YoY
|
3.8%
+2.3% YoY
|
Top 2.3% in tier |
| Efficiency Ratio |
191.7%
+11.8% YoY+2.7% QoQ
|
+102.9% |
88.8%
-6.9% YoY
|
86.5%
+3.6% YoY
|
83.0%
-5.3% YoY
|
Bottom 1.6% in tier |
| Delinquency Rate |
2.3%
+95.5% YoY-10.8% QoQ
|
+0.8 |
1.5%
+2.1% YoY
|
1.9%
+36.9% YoY
|
1.3%
+2.6% YoY
|
82% |
| Loan To Share |
69.1%
+8.0% YoY+0.1% QoQ
|
+10.2% |
58.9%
-3.1% YoY
|
71.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
65% |
| AMR |
$5,851
+41.5% YoY-29.4% QoQ
|
$-9K |
$14,963
-6.8% YoY
|
$12,982
+3.9% YoY
|
$20,028
-0.9% YoY
|
Bottom 11.3% in tier |
| CD Concentration |
4.8%
-19.0% YoY-8.7% QoQ
|
-19.8% | 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)