BlastPoint's Credit Union Scorecard
L R F D
Charter #6725 · AR
L R F D has 8 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.24% 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 4.5% in tier
- + Average Member Relationship (AMR): Top 6.0% in tier
- + Net Charge-Off Rate: Top 6.8% in tier
- + Efficiency Ratio: Top 7.6% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 5.51% above tier average
- - Total Delinquency Rate (60+ days): Bottom 3.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
898
+1.6% YoY+0.6% QoQ
|
-1.7K |
2,615
-1.9% YoY
|
7,878
+8.0% YoY
|
33,374
+5.7% YoY
|
26% |
| Assets |
$16.7M
+2.2% YoY-2.9% QoQ
|
$-13.5M |
$30.1M
+2.1% YoY
|
$108.7M
+13.0% YoY
|
$561.6M
+9.7% YoY
|
44% |
| Loans |
$11.0M
+4.3% YoY+2.8% QoQ
|
$-4.8M |
$15.8M
-1.3% YoY
|
$78.6M
+14.7% YoY
|
$397.0M
+8.8% YoY
|
54% |
| Deposits |
$13.3M
+2.7% YoY-3.5% QoQ
|
$-12.4M |
$25.7M
+1.4% YoY
|
$88.8M
+14.2% YoY
|
$477.3M
+9.7% YoY
|
42% |
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| ROA |
0.9%
+215.8% YoY-27.1% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
-0.1%
-109.5% YoY
|
0.7%
+15.9% YoY
|
59% |
| NIM |
3.1%
+7.2% YoY-12.2% QoQ
|
-0.9% |
4.0%
+4.0% YoY
|
4.2%
+0.9% YoY
|
3.8%
+5.1% YoY
|
22% |
| Efficiency Ratio |
55.5%
+2.2% YoY+7.6% QoQ
|
-27.0% |
82.6%
-2.3% YoY
|
86.1%
+2.0% YoY
|
79.7%
-3.3% YoY
|
Bottom 7.6% in tier |
| Delinquency Rate |
7.1%
+180.7% YoY+35.2% QoQ
|
+5.5 |
1.6%
-3.1% YoY
|
1.8%
+15.7% YoY
|
1.3%
-2.1% YoY
|
Top 3.4% in tier |
| Loan To Share |
82.4%
+1.6% YoY+6.4% QoQ
|
+21.8% |
60.6%
-3.1% YoY
|
73.6%
-2.9% YoY
|
67.4%
-1.7% YoY
|
82% |
| AMR |
$27,088
+1.8% YoY-1.3% QoQ
|
+$12K |
$14,783
-1.4% YoY
|
$12,676
+2.7% YoY
|
$19,687
+2.0% YoY
|
Top 6.1% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 15.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.5% | 7.8% | 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)