BlastPoint's Credit Union Scorecard

ARCADE

Charter #62114 · NC

2556 CUs in <100M nationally 31 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 0.26% above tier average
+ Net Interest Margin 0.19% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- Member decline: -5.9% YoY

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Members	769 -5.9% YoY-2.3% QoQ	-1.8K	2,615 -1.9% YoY	91,719 +6.9% YoY	33,374 +5.7% YoY	22%
Assets	$8.1M -1.8% YoY+3.8% QoQ	$-22.1M	$30.1M +2.1% YoY	$1.6B +12.6% YoY	$561.6M +9.7% YoY	28%
Loans	$3.9M -6.3% YoY-0.4% QoQ	$-11.8M	$15.8M -1.3% YoY	$1.1B +9.8% YoY	$397.0M +8.8% YoY	29%
Deposits	$6.9M -3.0% YoY+4.3% QoQ	$-18.8M	$25.7M +1.4% YoY	$1.4B +12.2% YoY	$477.3M +9.7% 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	0.9% -11.7% YoY-19.6% QoQ	+0.3%	0.6% +10.8% YoY	0.2% -40.7% YoY	0.7% +15.9% YoY	60%
NIM	4.1% +0.8% YoY-1.7% QoQ	+0.2%	4.0% +4.0% YoY	4.1% +4.6% YoY	3.8% +5.1% YoY	61%
Efficiency Ratio	76.7% +9.5% YoY+8.0% QoQ	-5.9%	82.6% -2.3% YoY	80.6% -3.1% YoY	79.7% -3.3% YoY	42%
Delinquency Rate	0.4% -74.3% YoY-71.6% QoQ	-1.2	1.6% -3.1% YoY	2.1% -15.0% YoY	1.3% -2.1% YoY	34%
Loan To Share	57.0% -3.4% YoY-4.5% QoQ	-3.6%	60.6% -3.1% YoY	75.9% +1.0% YoY	67.4% -1.7% YoY	45%
AMR	$14,119 +1.8% YoY+4.9% QoQ	$-664	$14,783 -1.4% YoY	$17,588 +4.6% YoY	$19,687 +2.0% YoY	52%
CD Concentration	19.2% +3.2% YoY-1.4% QoQ	-5.3%	24.4%	21.7%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	5.1%	7.8%	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 2556 peers in tier

Top Strengths (1 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 2556 Top 0.0% in <100M tier

Top Weaknesses (3 metrics)

2224

Member Growth Rate

growth

Value: -5.88%

Peer Median: -

#2224 of 2556 Bottom 13.0% in <100M tier

2003

Total Members

engagement

Value: 769

Peer Median: -

#2003 of 2556 Bottom 21.7% in <100M tier

1942

Net Charge-Off Rate

risk

Value: 0.68%

Peer Median: -

#1942 of 2556 Bottom 24.1% in <100M tier