BlastPoint's Credit Union Scorecard
ARKANSAS AM & N COLLEGE
Charter #7700 · AR
ARKANSAS AM & N COLLEGE has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.06% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 1.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 6.86% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 1.5% in tier
- - Net Interest Margin (NIM): Bottom 4.3% in tier
- - Total Assets: Bottom 9.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
542
+0.4% YoY+14.6% QoQ
|
-2.1K |
2,615
-1.9% YoY
|
7,878
+8.0% YoY
|
33,374
+5.7% YoY
|
Bottom 14.8% in tier |
| Assets |
$2.0M
+8.8% YoY+0.0% QoQ
|
$-28.1M |
$30.1M
+2.1% YoY
|
$108.7M
+13.0% YoY
|
$561.6M
+9.7% YoY
|
Bottom 9.5% in tier |
| Loans |
$1.0M
-1.8% YoY+1.8% QoQ
|
$-14.7M |
$15.8M
-1.3% YoY
|
$78.6M
+14.7% YoY
|
$397.0M
+8.8% YoY
|
Bottom 11.3% in tier |
| Deposits |
$1.9M
+8.9% YoY-1.1% QoQ
|
$-23.8M |
$25.7M
+1.4% YoY
|
$88.8M
+14.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 11.0% in tier |
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| ROA |
0.7%
-32.0% YoY-59.7% QoQ
|
+0.1% |
0.6%
+10.8% YoY
|
-0.1%
-109.5% YoY
|
0.7%
+15.9% YoY
|
50% |
| NIM |
2.1%
-60.6% YoY-52.0% QoQ
|
-1.9% |
4.0%
+4.0% YoY
|
4.2%
+0.9% YoY
|
3.8%
+5.1% YoY
|
Bottom 4.3% in tier |
| Efficiency Ratio |
89.4%
+17.5% YoY+17.7% QoQ
|
+6.9% |
82.6%
-2.3% YoY
|
86.1%
+2.0% YoY
|
79.7%
-3.3% YoY
|
74% |
| Delinquency Rate |
0.8%
-28.4% YoY+10.1% QoQ
|
-0.8 |
1.6%
-3.1% YoY
|
1.8%
+15.7% YoY
|
1.3%
-2.1% YoY
|
52% |
| Loan To Share |
55.8%
-9.8% YoY+2.8% QoQ
|
-4.8% |
60.6%
-3.1% YoY
|
73.6%
-2.9% YoY
|
67.4%
-1.7% YoY
|
43% |
| AMR |
$5,333
+4.4% YoY-12.8% QoQ
|
$-9K |
$14,783
-1.4% YoY
|
$12,676
+2.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 10.0% in tier |
| CD Concentration |
25.1%
+68.8% YoY+0.5% QoQ
|
+0.6% | 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)