BlastPoint's Credit Union Scorecard
PEOPLE TRUST COMMUNITY
Charter #24940 ยท AR
2596 CUs in <100M nationally
44 in AR
PEOPLE TRUST COMMUNITY has 6 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 6.29% above tier average
- + Strong member growth: 92.5% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 0.2% in tier
- + Loan Growth Rate: Top 0.2% in tier
Key Concerns
Areas that may need attention
- - ROA 15.73% below tier average
- - Efficiency ratio 86.26% above tier (higher cost structure)
- - Delinquency rate 11.84% above tier average
- - Net Worth Ratio: Bottom 0.2% in tier
- - Net Charge-Off Rate: Bottom 0.5% in tier
- - Asset Growth Rate: Bottom 0.7% in tier
- - AMR Growth Rate: Bottom 0.7% in tier
- - Deposit Growth Rate: Bottom 0.8% in tier
- - Total Delinquency Rate (60+ days): Bottom 1.7% in tier
- - Average Member Relationship (AMR): Bottom 3.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,796
+92.5% YoY-7.8% QoQ
|
-829 |
2,625
-2.2% YoY
|
7,762
+8.3% YoY
|
33,089
+6.1% YoY
|
47% |
| Assets |
$3.3M
-34.7% YoY+7.8% QoQ
|
$-26.6M |
$29.9M
+1.1% YoY
|
$104.3M
+13.0% YoY
|
$547.7M
+7.8% YoY
|
Bottom 13.9% in tier |
| Loans |
$1.1M
+96.4% YoY+8.2% QoQ
|
$-14.6M |
$15.8M
-2.4% YoY
|
$74.9M
+12.6% YoY
|
$388.7M
+8.6% YoY
|
Bottom 12.4% in tier |
| Deposits |
$3.0M
-33.5% YoY+9.0% QoQ
|
$-22.4M |
$25.5M
+0.4% YoY
|
$86.6M
+15.8% YoY
|
$464.6M
+9.3% YoY
|
16% |
| ROA |
-15.1%
+605.7% YoY+2.1% QoQ
|
-15.7% |
0.7%
-731.4% YoY
|
0.2%
-67.2% YoY
|
0.7%
+273.4% YoY
|
Bottom 0.4% in tier |
| NIM |
10.2%
+648.7% YoY-2.0% QoQ
|
+6.3% |
3.9%
+3.8% YoY
|
4.4%
+6.8% YoY
|
3.7%
+5.0% YoY
|
Top 0.2% in tier |
| Efficiency Ratio |
167.7%
-15.7% YoY-12.2% QoQ
|
+86.3% |
81.4%
-2.4% YoY
|
83.8%
+0.9% YoY
|
79.1%
-3.3% YoY
|
Top 2.0% in tier |
| Delinquency Rate |
13.4%
+23.1% YoY+642.8% QoQ
|
+11.8 |
1.5%
-2.0% YoY
|
1.5%
-12.0% YoY
|
1.2%
-0.9% YoY
|
Top 1.7% in tier |
| Loan To Share |
37.6%
+195.5% YoY-0.8% QoQ
|
-23.6% |
61.2%
-3.0% YoY
|
73.4%
-3.7% YoY
|
68.0%
-1.7% YoY
|
17% |
| AMR |
$2,335
-57.8% YoY+18.0% QoQ
|
$-12K |
$14,627
-2.7% YoY
|
$12,695
+3.6% YoY
|
$19,418
+1.3% YoY
|
Bottom 3.4% in tier |
| CD Concentration |
34.8%
+96.5% YoY-9.0% QoQ
|
+10.4% |
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 (5 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
4
Net Interest Margin (NIM)
profitability
Value:
10.23%
Peer Avg: 3.93%
#4 of 2596
Top 0.1% in <100M tier
6
Member Growth Rate
growth
Value:
92.50%
Peer Avg: 14.92%
#6 of 2596
Top 0.2% in <100M tier
7
Loan Growth Rate
growth
Value:
96.41%
Peer Avg: 59.01%
#7 of 2596
Top 0.2% in <100M tier
Top Weaknesses (16 metrics)
2592
Net Worth Ratio
risk
Value:
2.05%
Peer Avg: 16.43%
#2592 of 2596
Bottom 0.2% in <100M tier
2586
Return on Assets (ROA)
profitability
Value:
-15.05%
Peer Avg: 0.68%
#2586 of 2596
Bottom 0.4% in <100M tier
2584
Net Charge-Off Rate
risk
Value:
19.45%
Peer Avg: 0.57%
#2584 of 2596
Bottom 0.5% in <100M tier
2580
Asset Growth Rate
growth
Value:
-34.74%
Peer Avg: 1.82%
#2580 of 2596
Bottom 0.7% in <100M tier
2579
AMR Growth Rate
growth
Value:
-57.84%
Peer Avg: 4.67%
#2579 of 2596
Bottom 0.7% in <100M tier
2576
Deposit Growth Rate
growth
Value:
-33.54%
Peer Avg: 16.80%
#2576 of 2596
Bottom 0.8% in <100M tier
2552
Total Delinquency Rate (60+ days)
risk
Value:
13.35%
Peer Avg: 1.51%
#2552 of 2596
Bottom 1.7% in <100M tier
2545
Efficiency Ratio
profitability
Value:
167.65%
Peer Avg: 81.39%
#2545 of 2596
Bottom 2.0% in <100M tier
2508
Average Member Relationship (AMR)
engagement
Value:
$2,335
Peer Avg: $14,627
#2508 of 2596
Bottom 3.4% in <100M tier
2482
Loan-to-Member Ratio (LMR)
engagement
Value:
$638.61
Peer Avg: $5,488
#2482 of 2596
Bottom 4.4% in <100M tier