BlastPoint's Credit Union Scorecard
PEOPLE TRUST COMMUNITY
Charter #24940 · AR
PEOPLE TRUST COMMUNITY has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 31.2% YoY
- + Member Growth Rate: Top 1.0% in tier
Key Concerns
Areas that may need attention
- - ROA 199.54% below tier average
- - Efficiency ratio 1779.33% above tier (higher cost structure)
- - Delinquency rate 19.11% above tier average
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Net Worth Ratio: Bottom 0.1% in tier
- - Net Interest Margin (NIM): Bottom 0.3% in tier
- - Asset Growth Rate: Bottom 0.4% in tier
- - Net Charge-Off Rate: Bottom 0.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,830
+31.2% YoY+1.4% QoQ
|
-846 |
2,676
+1.6% YoY
|
7,947
+7.9% YoY
|
33,913
+5.7% YoY
|
48% |
| Assets |
$1.5M
-44.7% YoY-45.1% QoQ
|
$-28.7M |
$30.2M
+1.3% YoY
|
$111.4M
+12.6% YoY
|
$578.3M
+9.0% YoY
|
Bottom 7.3% in tier |
| Loans |
$819,534
-2.6% YoY-22.0% QoQ
|
$-14.5M |
$15.3M
-2.0% YoY
|
$80.4M
+16.0% YoY
|
$402.4M
+8.7% YoY
|
Bottom 10.0% in tier |
| Deposits |
$2.5M
+3.7% YoY-21.9% QoQ
|
$-23.3M |
$25.8M
+0.7% YoY
|
$90.2M
+11.4% YoY
|
$494.3M
+9.1% YoY
|
Bottom 13.3% in tier |
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| ROA |
-199.4%
+1242.7% YoY+536.9% QoQ
|
-199.5% |
0.1%
-77.6% YoY
|
-4.0%
+7873.5% YoY
|
0.4%
-39.2% YoY
|
Bottom 0.1% in tier |
| NIM |
-0.3%
-102.4% YoY-114.0% QoQ
|
-4.3% |
4.0%
+4.0% YoY
|
4.1%
-8.1% YoY
|
3.8%
+4.1% YoY
|
Bottom 0.2% in tier |
| Efficiency Ratio |
1870.0%
+897.0% YoY+519.0% QoQ
|
+1779.3% |
90.6%
+6.5% YoY
|
125.8%
+36.6% YoY
|
84.6%
+2.8% YoY
|
Bottom 0.5% in tier |
| Delinquency Rate |
20.6%
+261.5% YoY+29.1% QoQ
|
+19.1 |
1.5%
+3.8% YoY
|
1.6%
+18.4% YoY
|
1.2%
+3.4% YoY
|
Bottom 1.1% in tier |
| Loan To Share |
33.3%
-6.1% YoY-0.1% QoQ
|
-25.2% |
58.5%
-3.0% YoY
|
70.8%
-3.6% YoY
|
65.6%
-1.4% YoY
|
Bottom 14.4% in tier |
| AMR |
$1,793
-22.2% YoY-23.0% QoQ
|
$-13K |
$14,884
-1.7% YoY
|
$12,879
+3.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 2.3% in tier |
| CD Concentration |
2.7%
-79.8% YoY+28.8% QoQ
|
-21.5% | 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)