BlastPoint's Credit Union Scorecard
PEOPLE TRUST COMMUNITY
Charter #24940 · AR
2556 CUs in <100M nationally
43 in AR
PEOPLE TRUST COMMUNITY has 5 strengths but faces 13 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 58.8% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 0.3% in tier
- + Loan Growth Rate: Top 0.4% in tier
Key Concerns
Areas that may need attention
- - ROA 31.93% below tier average
- - Efficiency ratio 219.56% above tier (higher cost structure)
- - Delinquency rate 14.40% above tier average
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Net Worth Ratio: Bottom 0.1% in tier
- - Asset Growth Rate: Bottom 0.5% in tier
- - AMR Growth Rate: Bottom 0.7% in tier
- - Net Charge-Off Rate: Bottom 0.7% in tier
- - Deposit Growth Rate: Bottom 0.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 1.4% in tier
- - Average Member Relationship (AMR): Bottom 3.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.0% in tier
- - Net Interest Margin (NIM): Bottom 7.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,805
+58.8% YoY+0.5% QoQ
|
-810 |
2,615
-1.9% YoY
|
7,878
+8.0% YoY
|
33,374
+5.7% YoY
|
47% |
| Assets |
$2.7M
-45.0% YoY-19.1% QoQ
|
$-27.5M |
$30.1M
+2.1% YoY
|
$108.7M
+13.0% YoY
|
$561.6M
+9.7% YoY
|
Bottom 11.5% in tier |
| Loans |
$1.1M
+82.0% YoY-8.4% QoQ
|
$-14.7M |
$15.8M
-1.3% YoY
|
$78.6M
+14.7% YoY
|
$397.0M
+8.8% YoY
|
Bottom 11.5% in tier |
| Deposits |
$3.2M
-28.5% YoY+3.4% QoQ
|
$-22.5M |
$25.7M
+1.4% YoY
|
$88.8M
+14.2% YoY
|
$477.3M
+9.7% YoY
|
16% |
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| ROA |
-31.3%
+1314.5% YoY+108.0% QoQ
|
-31.9% |
0.6%
+10.8% YoY
|
-0.1%
-109.5% YoY
|
0.7%
+15.9% YoY
|
Bottom 0.0% in tier |
| NIM |
2.4%
+97.0% YoY-76.3% QoQ
|
-1.5% |
4.0%
+4.0% YoY
|
4.2%
+0.9% YoY
|
3.8%
+5.1% YoY
|
Bottom 6.9% in tier |
| Efficiency Ratio |
302.1%
+40.5% YoY+80.2% QoQ
|
+219.6% |
82.6%
-2.3% YoY
|
86.1%
+2.0% YoY
|
79.7%
-3.3% YoY
|
Top 0.6% in tier |
| Delinquency Rate |
16.0%
+72.8% YoY+19.5% QoQ
|
+14.4 |
1.6%
-3.1% YoY
|
1.8%
+15.7% YoY
|
1.3%
-2.1% YoY
|
Top 1.4% in tier |
| Loan To Share |
33.3%
+154.7% YoY-11.5% QoQ
|
-27.3% |
60.6%
-3.1% YoY
|
73.6%
-2.9% YoY
|
67.4%
-1.7% YoY
|
Bottom 12.8% in tier |
| AMR |
$2,328
-46.9% YoY-0.3% QoQ
|
$-12K |
$14,783
-1.4% YoY
|
$12,676
+2.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 3.1% in tier |
| CD Concentration |
2.1%
+2.8% YoY-93.9% QoQ
|
-22.3% | 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 (5 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
9
Member Growth Rate
growth
Value:
58.75%
Peer Median: -
#9 of 2556
Top 0.3% in <100M tier
10
Loan Growth Rate
growth
Value:
82.01%
Peer Median: -
#10 of 2556
Top 0.4% in <100M tier
399
Fee Income Per Member
profitability
Value:
$146.74
Peer Median: -
#399 of 2556
Top 15.6% in <100M tier
Top Weaknesses (16 metrics)
2556
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: -
#2556 of 2556
Bottom 0.0% in <100M tier
2555
Return on Assets (ROA)
profitability
Value:
-31.31%
Peer Median: -
#2555 of 2556
Bottom 0.1% in <100M tier
2555
Net Worth Ratio
risk
Value:
-20.90%
Peer Median: -
#2555 of 2556
Bottom 0.1% in <100M tier
2544
Asset Growth Rate
growth
Value:
-45.00%
Peer Median: -
#2544 of 2556
Bottom 0.5% in <100M tier
2542
Efficiency Ratio
profitability
Value:
302.11%
Peer Median: -
#2542 of 2556
Bottom 0.6% in <100M tier
2540
AMR Growth Rate
growth
Value:
-46.93%
Peer Median: -
#2540 of 2556
Bottom 0.7% in <100M tier
2539
Net Charge-Off Rate
risk
Value:
14.35%
Peer Median: -
#2539 of 2556
Bottom 0.7% in <100M tier
2535
Deposit Growth Rate
growth
Value:
-28.54%
Peer Median: -
#2535 of 2556
Bottom 0.9% in <100M tier
2521
Total Delinquency Rate (60+ days)
risk
Value:
15.96%
Peer Median: -
#2521 of 2556
Bottom 1.4% in <100M tier
2476
Average Member Relationship (AMR)
engagement
Value:
$2,328
Peer Median: -
#2476 of 2556
Bottom 3.2% in <100M tier