BlastPoint's Credit Union Scorecard
L R F D
Charter #6725 · AR
L R F D has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.41% above tier average
- + Loan-to-Member Ratio (LMR): Top 4.1% in tier
- + Net Charge-Off Rate: Top 5.7% in tier
- + Average Member Relationship (AMR): Top 5.9% in tier
- + Efficiency Ratio: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 3.94% above tier average
- - Total Delinquency Rate (60+ days): Bottom 5.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
907
+2.4% YoY+1.0% QoQ
|
-1.8K |
2,676
+1.6% YoY
|
7,947
+7.9% YoY
|
33,913
+5.7% YoY
|
26% |
| Assets |
$16.8M
+2.0% YoY+0.9% QoQ
|
$-13.4M |
$30.2M
+1.3% YoY
|
$111.4M
+12.6% YoY
|
$578.3M
+9.0% YoY
|
44% |
| Loans |
$11.1M
+4.4% YoY+1.3% QoQ
|
$-4.1M |
$15.3M
-2.0% YoY
|
$80.4M
+16.0% YoY
|
$402.4M
+8.7% YoY
|
54% |
| Deposits |
$13.5M
+1.3% YoY+1.0% QoQ
|
$-12.3M |
$25.8M
+0.7% YoY
|
$90.2M
+11.4% YoY
|
$494.3M
+9.1% YoY
|
42% |
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| ROA |
0.6%
-574.3% YoY-35.6% QoQ
|
+0.4% |
0.1%
-77.6% YoY
|
-4.0%
+7873.5% YoY
|
0.4%
-39.2% YoY
|
47% |
| NIM |
4.0%
+16.7% YoY+29.4% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
4.1%
-8.1% YoY
|
3.8%
+4.1% YoY
|
58% |
| Efficiency Ratio |
56.8%
-9.1% YoY+2.3% QoQ
|
-33.8% |
90.6%
+6.5% YoY
|
125.8%
+36.6% YoY
|
84.6%
+2.8% YoY
|
Top 9.1% in tier |
| Delinquency Rate |
5.4%
+64.2% YoY-23.0% QoQ
|
+3.9 |
1.5%
+3.8% YoY
|
1.6%
+18.4% YoY
|
1.2%
+3.4% YoY
|
Bottom 5.4% in tier |
| Loan To Share |
82.7%
+3.0% YoY+0.3% QoQ
|
+24.2% |
58.5%
-3.0% YoY
|
70.8%
-3.6% YoY
|
65.6%
-1.4% YoY
|
85% |
| AMR |
$27,130
+0.3% YoY+0.2% QoQ
|
+$12K |
$14,884
-1.7% YoY
|
$12,879
+3.3% YoY
|
$19,920
+1.6% YoY
|
Top 5.9% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.4% | 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)