BlastPoint's Credit Union Scorecard

ARCADE

Charter #62114 · NC

2596 CUs in <100M nationally 32 in NC

ARCADE has 3 strengths but faces 1 concern

National Analysis

How does the industry compare?

NC Analysis

How does NC stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.42% above tier average
+ Net Interest Margin 0.28% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- Member decline: -2.8% YoY

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Members	787 -2.8% YoY-1.4% QoQ	-1.8K	2,625 -2.2% YoY	91,841 +6.6% YoY	33,089 +6.1% YoY	23%
Assets	$7.8M -0.5% YoY-1.6% QoQ	$-22.1M	$29.9M +1.1% YoY	$1.5B +5.5% YoY	$547.7M +7.8% YoY	27%
Loans	$4.0M -8.9% YoY-4.2% QoQ	$-11.8M	$15.8M -2.4% YoY	$1.1B +9.9% YoY	$388.7M +8.6% YoY	29%
Deposits	$6.6M -1.7% YoY-1.9% QoQ	$-18.8M	$25.5M +0.4% YoY	$1.3B +12.1% YoY	$464.6M +9.3% YoY	28%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.1% -26.5% YoY-18.8% QoQ	+0.4%	0.7% -731.4% YoY	0.4% -19.0% YoY	0.7% +273.4% YoY	66%
NIM	4.2% +0.7% YoY+5.1% QoQ	+0.3%	3.9% +3.8% YoY	4.1% +4.0% YoY	3.7% +5.0% YoY	63%
Efficiency Ratio	71.0% +4.1% YoY+1.4% QoQ	-10.4%	81.4% -2.4% YoY	81.5% -1.2% YoY	79.1% -3.3% YoY	33%
Delinquency Rate	1.2% -25.1% YoY+256.2% QoQ	-0.3	1.5% -2.0% YoY	1.5% +2.4% YoY	1.2% -0.9% YoY	67%
Loan To Share	59.7% -7.3% YoY-2.3% QoQ	-1.5%	61.2% -3.0% YoY	76.3% +1.1% YoY	68.0% -1.7% YoY	48%
AMR	$13,457 -1.7% YoY-1.4% QoQ	$-1K	$14,627 -2.7% YoY	$17,441 +4.0% YoY	$19,418 +1.3% YoY	48%
CD Concentration	19.5% +8.6% YoY-0.3% QoQ	-5.0%	24.4% +4.2% YoY	20.6% +2.2% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	5.3% -2.9% 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)

Compare against:

Comparing against 2596 peers in tier

Top Strengths (1 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 2596 Top 0.0% in <100M tier

Top Weaknesses (3 metrics)

2116

Net Charge-Off Rate

risk

Value: 0.82%

Peer Avg: -

#2116 of 2596 Bottom 18.5% in <100M tier

2010

Total Members

engagement

Value: 787

Peer Avg: -

#2010 of 2596 Bottom 22.6% in <100M tier

1960

Loan Growth Rate

growth

Value: -8.88%

Peer Avg: -

#1960 of 2596 Bottom 24.5% in <100M tier