BlastPoint's Credit Union Scorecard
L R F D
Charter #6725 · AR
2596 CUs in <100M nationally
44 in AR
L R F D has 8 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.51% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 4.6% in tier
- + Average Member Relationship (AMR): Top 5.7% in tier
- + Efficiency Ratio: Top 7.0% in tier
- + Deposit Growth Rate: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 3.72% above tier average
- - Total Delinquency Rate (60+ days): Bottom 5.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
893
+1.1% YoY+0.4% QoQ
|
-1.7K |
2,625
-2.2% YoY
|
7,762
+8.3% YoY
|
33,089
+6.1% YoY
|
26% |
| Assets |
$17.1M
+8.3% YoY+6.4% QoQ
|
$-12.7M |
$29.9M
+1.1% YoY
|
$104.3M
+13.0% YoY
|
$547.7M
+7.8% YoY
|
45% |
| Loans |
$10.7M
-1.3% YoY+1.0% QoQ
|
$-5.1M |
$15.8M
-2.4% YoY
|
$74.9M
+12.6% YoY
|
$388.7M
+8.6% YoY
|
53% |
| Deposits |
$13.8M
+9.6% YoY+7.2% QoQ
|
$-11.6M |
$25.5M
+0.4% YoY
|
$86.6M
+15.8% YoY
|
$464.6M
+9.3% YoY
|
44% |
| ROA |
1.2%
+68.9% YoY+71.9% QoQ
|
+0.5% |
0.7%
-731.4% YoY
|
0.2%
-67.2% YoY
|
0.7%
+273.4% YoY
|
70% |
| NIM |
3.5%
+14.2% YoY-0.5% QoQ
|
-0.4% |
3.9%
+3.8% YoY
|
4.4%
+6.8% YoY
|
3.7%
+5.0% YoY
|
36% |
| Efficiency Ratio |
51.6%
-2.9% YoY-7.8% QoQ
|
-29.8% |
81.4%
-2.4% YoY
|
83.8%
+0.9% YoY
|
79.1%
-3.3% YoY
|
Bottom 7.0% in tier |
| Delinquency Rate |
5.2%
+81.2% YoY-2.4% QoQ
|
+3.7 |
1.5%
-2.0% YoY
|
1.5%
-12.0% YoY
|
1.2%
-0.9% YoY
|
Top 5.6% in tier |
| Loan To Share |
77.5%
-10.0% YoY-5.8% QoQ
|
+16.2% |
61.2%
-3.0% YoY
|
73.4%
-3.7% YoY
|
68.0%
-1.7% YoY
|
74% |
| AMR |
$27,443
+3.4% YoY+4.0% QoQ
|
+$13K |
$14,627
-2.7% YoY
|
$12,695
+3.6% YoY
|
$19,418
+1.3% YoY
|
Top 5.7% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
16.2%
+8.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
2.6%
-19.0% 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)
Top Strengths (9 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
121
Loan-to-Member Ratio (LMR)
engagement
Value:
$11,978
Peer Avg: $5,488
#121 of 2596
Top 4.6% in <100M tier
149
Average Member Relationship (AMR)
engagement
Value:
$27,443
Peer Avg: $14,627
#149 of 2596
Top 5.7% in <100M tier
184
Efficiency Ratio
profitability
Value:
51.64%
Peer Avg: 81.39%
#184 of 2596
Top 7.0% in <100M tier
252
Deposit Growth Rate
growth
Value:
9.62%
Peer Avg: 16.80%
#252 of 2596
Top 9.7% in <100M tier
317
Asset Growth Rate
growth
Value:
8.35%
Peer Avg: 1.82%
#317 of 2596
Top 12.2% in <100M tier
587
Member Growth Rate
growth
Value:
1.13%
Peer Avg: 14.92%
#587 of 2596
Top 22.6% in <100M tier
Top Weaknesses (3 metrics)
2451
Total Delinquency Rate (60+ days)
risk
Value:
5.23%
Peer Avg: 1.51%
#2451 of 2596
Bottom 5.6% in <100M tier
2275
Fee Income Per Member
profitability
Value:
$3.49
Peer Avg: $182.96
#2275 of 2596
Bottom 12.4% in <100M tier
2086
Members Per Employee (MPE)
engagement
Value:
223.250
Peer Avg: 365.701
#2086 of 2596
Bottom 19.7% in <100M tier