BlastPoint's Credit Union Scorecard
L R F D
Charter #6725 · AR
L R F D has 7 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Deposit Growth Rate: Top 2.7% in tier
- + Asset Growth Rate: Top 2.9% in tier
- + Loan-to-Member Ratio (LMR): Top 3.7% in tier
- + Average Member Relationship (AMR): Top 4.8% in tier
- + Efficiency Ratio: Top 7.2% in tier
- + AMR Growth Rate: Top 7.4% in tier
- + Loan Growth Rate: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.52% below tier average
- - Delinquency rate 5.20% above tier average
- - Total Delinquency Rate (60+ days): Bottom 4.0% 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 42 that size in Arkansas.
- Shares and deposits +16.7% year over year ($15.0M in shares and deposits).
- Membership: 908 members, +2.1% vs a year ago.
- Delinquency rate 6.75%.
- Return on assets 0.98%.
- Efficiency ratio 54.65% vs a 88.77% peer average.
- Loan-to-share ratio 78.63% 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 (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
908
+2.1% YoY+0.1% QoQ
|
-1.7K |
2,585
-1.7% YoY
|
8,161
+10.4% YoY
|
34,678
+6.6% YoY
|
26% |
| Assets |
$18.4M
+14.4% YoY+9.7% QoQ
|
$-11.8M |
$30.3M
+1.5% YoY
|
$115.8M
+17.0% YoY
|
$593.1M
+10.2% YoY
|
46% |
| Loans |
$11.8M
+11.6% YoY+6.1% QoQ
|
$-3.6M |
$15.5M
-1.7% YoY
|
$84.2M
+19.9% YoY
|
$418.6M
+10.1% YoY
|
56% |
| Deposits |
$15.0M
+16.7% YoY+11.6% QoQ
|
$-10.8M |
$25.8M
+1.1% YoY
|
$93.4M
+13.5% YoY
|
$504.8M
+10.3% YoY
|
45% |
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| ROA |
1.0%
+41.1% YoY+74.8% QoQ
|
-0.5% |
1.5%
+241.5% YoY
|
1.6%
+705.7% YoY
|
1.2%
+121.4% YoY
|
59% |
| NIM |
3.5%
-0.4% YoY-11.9% QoQ
|
-0.4% |
3.9%
+0.9% YoY
|
4.1%
-5.5% YoY
|
3.8%
+2.3% YoY
|
36% |
| Efficiency Ratio |
54.6%
-2.4% YoY-3.8% QoQ
|
-34.1% |
88.8%
-6.9% YoY
|
86.5%
+3.6% YoY
|
83.0%
-5.3% YoY
|
Top 7.2% in tier |
| Delinquency Rate |
6.7%
+26.0% YoY+24.1% QoQ
|
+5.2 |
1.5%
+2.1% YoY
|
1.9%
+36.9% YoY
|
1.3%
+2.6% YoY
|
Bottom 4.0% in tier |
| Loan To Share |
78.6%
-4.3% YoY-4.9% QoQ
|
+19.7% |
58.9%
-3.1% YoY
|
71.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
79% |
| AMR |
$29,558
+12.0% YoY+8.9% QoQ
|
+$15K |
$14,963
-6.8% YoY
|
$12,982
+3.9% YoY
|
$20,028
-0.9% YoY
|
Top 4.9% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 15.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.2% | 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)