BlastPoint's Credit Union Scorecard
FAIR BREAK
Charter #24961 · AR
FAIR BREAK has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Worth Ratio: Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 1.49% below tier average
- - Efficiency Ratio: Bottom 0.1% in tier
- - Loan Growth Rate: Bottom 0.1% in tier
- - Deposit Growth Rate: Bottom 0.1% in tier
- - AMR Growth Rate: Bottom 0.1% in tier
- - Total Delinquency Rate (60+ days): Bottom 0.1% in tier
- - Net Charge-Off Rate: Bottom 0.1% in tier
- - Loan-to-Share Ratio: Bottom 0.1% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1
0% YoY0% QoQ
|
-2.6K |
2,585
-1.7% YoY
|
8,161
+10.4% YoY
|
34,678
+6.6% YoY
|
Bottom 0.1% in tier |
| Assets |
$22.0
0% YoY0% QoQ
|
$-30.3M |
$30.3M
+1.5% YoY
|
$115.8M
+17.0% YoY
|
$593.1M
+10.2% YoY
|
Bottom 0.1% in tier |
| Loans | $0.0 | $-15.5M |
$15.5M
-1.7% YoY
|
$84.2M
+19.9% YoY
|
$418.6M
+10.1% YoY
|
Bottom 0.1% in tier |
| Deposits | $0.0 | $-25.8M |
$25.8M
+1.1% YoY
|
$93.4M
+13.5% YoY
|
$504.8M
+10.3% YoY
|
Bottom 0.1% in tier |
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| ROA | 0.0% | -1.5% |
1.5%
+241.5% YoY
|
1.6%
+705.7% YoY
|
1.2%
+121.4% YoY
|
Bottom 0.1% in tier |
| NIM | 0.0% | -3.9% |
3.9%
+0.9% YoY
|
4.1%
-5.5% YoY
|
3.8%
+2.3% YoY
|
Bottom 0.1% in tier |
| Efficiency Ratio | - | - |
88.8%
-6.9% YoY
|
86.5%
+3.6% YoY
|
83.0%
-5.3% YoY
|
- |
| Delinquency Rate | - | - |
1.5%
+2.1% YoY
|
1.9%
+36.9% YoY
|
1.3%
+2.6% YoY
|
- |
| Loan To Share | - | - |
58.9%
-3.1% YoY
|
71.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
- |
| AMR | $0.0 | $-15K |
$14,963
-6.8% YoY
|
$12,982
+3.9% YoY
|
$20,028
-0.9% YoY
|
Bottom 0.1% in tier |
| CD Concentration | - | - | 24.6% | 15.4% | 20.0% | - |
| Indirect Auto % | - | - | 13.6% | 2.2% | 7.7% | - |
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)