BlastPoint's Credit Union Scorecard
SUBIACO
Charter #5922 · AR
SUBIACO has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.58% below tier average
- - Efficiency ratio 16.75% above tier (higher cost structure)
- - Member decline: -3.1% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,177
-3.1% YoY-2.2% QoQ
|
-438 |
2,615
-1.9% YoY
|
7,878
+8.0% YoY
|
33,374
+5.7% YoY
|
55% |
| Assets |
$26.9M
+0.2% YoY-0.9% QoQ
|
$-3.3M |
$30.1M
+2.1% YoY
|
$108.7M
+13.0% YoY
|
$561.6M
+9.7% YoY
|
56% |
| Loans |
$6.7M
-5.3% YoY-7.8% QoQ
|
$-9.1M |
$15.8M
-1.3% YoY
|
$78.6M
+14.7% YoY
|
$397.0M
+8.8% YoY
|
40% |
| Deposits |
$22.5M
+0.0% YoY-1.1% QoQ
|
$-3.2M |
$25.7M
+1.4% YoY
|
$88.8M
+14.2% YoY
|
$477.3M
+9.7% YoY
|
56% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.0%
-94.9% YoY-129.8% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
-0.1%
-109.5% YoY
|
0.7%
+15.9% YoY
|
18% |
| NIM |
3.7%
+8.8% YoY+0.2% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
4.2%
+0.9% YoY
|
3.8%
+5.1% YoY
|
42% |
| Efficiency Ratio |
99.3%
+30.1% YoY-4.7% QoQ
|
+16.7% |
82.6%
-2.3% YoY
|
86.1%
+2.0% YoY
|
79.7%
-3.3% YoY
|
Top 11.8% in tier |
| Delinquency Rate |
0.7%
+4113.1% YoY+138.1% QoQ
|
-0.9 |
1.6%
-3.1% YoY
|
1.8%
+15.7% YoY
|
1.3%
-2.1% YoY
|
48% |
| Loan To Share |
29.7%
-5.4% YoY-6.7% QoQ
|
-30.9% |
60.6%
-3.1% YoY
|
73.6%
-2.9% YoY
|
67.4%
-1.7% YoY
|
Bottom 10.1% in tier |
| AMR |
$13,397
+1.9% YoY-0.5% QoQ
|
$-1K |
$14,783
-1.4% YoY
|
$12,676
+2.7% YoY
|
$19,687
+2.0% YoY
|
48% |
| CD Concentration |
3.8%
-17.0% YoY-30.0% QoQ
|
-20.6% | 24.4% | 15.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.5% | 7.8% | 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)