BlastPoint's Credit Union Scorecard
ARK VALLEY
Charter #62894 · KS
ARK VALLEY has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.14% above tier average
- + Total Members: Top 1.9% in tier
- + Members Per Employee (MPE): Top 9.5% in tier
- + AMR Growth Rate: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Member decline: -9.6% YoY
- - Member Growth Rate: Bottom 6.6% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 43 that size in Kansas.
- Shares and deposits -0.3% year over year ($47.8M in shares and deposits).
- Membership: 8,982 members, -9.6% vs a year ago.
- Delinquency rate 0.19%.
- Return on assets 1.63%.
- Efficiency ratio 70.68% vs a 88.77% peer average.
- Loan-to-share ratio 69.16% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,982
-9.6% YoY+0.7% QoQ
|
+6.4K |
2,585
-1.7% YoY
|
21,725
-5.1% YoY
|
34,678
+6.6% YoY
|
Top 1.9% in tier |
| Assets |
$57.3M
+1.4% YoY-1.8% QoQ
|
+$27.0M |
$30.3M
+1.5% YoY
|
$314.3M
-2.5% YoY
|
$593.1M
+10.2% YoY
|
81% |
| Loans |
$33.0M
-0.6% YoY+0.8% QoQ
|
+$17.6M |
$15.5M
-1.7% YoY
|
$223.6M
-4.3% YoY
|
$418.6M
+10.1% YoY
|
Top 14.7% in tier |
| Deposits |
$47.8M
-0.3% YoY-2.8% QoQ
|
+$22.0M |
$25.8M
+1.1% YoY
|
$272.9M
-1.4% YoY
|
$504.8M
+10.3% YoY
|
80% |
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| ROA |
1.6%
+31.9% YoY+13.0% QoQ
|
+0.1% |
1.5%
+241.5% YoY
|
1.0%
+59.0% YoY
|
1.2%
+121.4% YoY
|
83% |
| NIM |
3.8%
+0.3% YoY+6.0% QoQ
|
-0.1% |
3.9%
+0.9% YoY
|
4.1%
+6.5% YoY
|
3.8%
+2.3% YoY
|
47% |
| Efficiency Ratio |
70.7%
-8.6% YoY-7.3% QoQ
|
-18.1% |
88.8%
-6.9% YoY
|
76.8%
-1.7% YoY
|
83.0%
-5.3% YoY
|
28% |
| Delinquency Rate |
0.2%
-59.6% YoY+53.4% QoQ
|
-1.4 |
1.5%
+2.1% YoY
|
1.5%
+11.1% YoY
|
1.3%
+2.6% YoY
|
26% |
| Loan To Share |
69.2%
-0.2% YoY+3.7% QoQ
|
+10.3% |
58.9%
-3.1% YoY
|
71.5%
-1.0% YoY
|
66.4%
-1.4% YoY
|
65% |
| AMR |
$8,999
+10.1% YoY-2.1% QoQ
|
$-6K |
$14,963
-6.8% YoY
|
$16,832
+1.8% YoY
|
$20,028
-0.9% YoY
|
23% |
| CD Concentration |
7.0%
-13.7% YoY-2.0% QoQ
|
-17.5% | 24.6% | 24.4% | 20.0% | 50% |
| Indirect Auto % |
0.0%
-90.3% YoY
|
-13.6% | 13.6% | 12.0% | 7.7% | 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)