BlastPoint's Credit Union Scorecard
SUBIACO
Charter #5922 · AR
SUBIACO has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.82% below tier average
- - Efficiency ratio 22.84% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,227
-1.1% YoY-0.3% QoQ
|
-398 |
2,625
-2.2% YoY
|
7,762
+8.3% YoY
|
33,089
+6.1% YoY
|
56% |
| Assets |
$27.1M
+2.0% YoY+1.1% QoQ
|
$-2.7M |
$29.9M
+1.1% YoY
|
$104.3M
+13.0% YoY
|
$547.7M
+7.8% YoY
|
57% |
| Loans |
$7.2M
-1.1% YoY+1.3% QoQ
|
$-8.5M |
$15.8M
-2.4% YoY
|
$74.9M
+12.6% YoY
|
$388.7M
+8.6% YoY
|
42% |
| Deposits |
$22.7M
+2.0% YoY+0.9% QoQ
|
$-2.7M |
$25.5M
+0.4% YoY
|
$86.6M
+15.8% YoY
|
$464.6M
+9.3% YoY
|
57% |
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| ROA |
-0.1%
-116.1% YoY-77.1% QoQ
|
-0.8% |
0.7%
-731.4% YoY
|
0.2%
-67.2% YoY
|
0.7%
+273.4% YoY
|
Bottom 13.3% in tier |
| NIM |
3.7%
+10.1% YoY+1.1% QoQ
|
-0.2% |
3.9%
+3.8% YoY
|
4.4%
+6.8% YoY
|
3.7%
+5.0% YoY
|
42% |
| Efficiency Ratio |
104.2%
+40.0% YoY-11.1% QoQ
|
+22.8% |
81.4%
-2.4% YoY
|
83.8%
+0.9% YoY
|
79.1%
-3.3% YoY
|
Top 8.8% in tier |
| Delinquency Rate |
0.3%
+361.3% YoY-36.4% QoQ
|
-1.2 |
1.5%
-2.0% YoY
|
1.5%
-12.0% YoY
|
1.2%
-0.9% YoY
|
32% |
| Loan To Share |
31.8%
-3.0% YoY+0.4% QoQ
|
-29.4% |
61.2%
-3.0% YoY
|
73.4%
-3.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 11.4% in tier |
| AMR |
$13,464
+2.3% YoY+1.2% QoQ
|
$-1K |
$14,627
-2.7% YoY
|
$12,695
+3.6% YoY
|
$19,418
+1.3% YoY
|
48% |
| CD Concentration |
5.4%
+28.6% YoY+26.3% QoQ
|
-19.0% |
24.4%
+4.2% YoY
|
16.2%
+8.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.6%
-19.0% YoY
|
7.9%
-2.9% YoY
|
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)