BlastPoint's Credit Union Scorecard
LITHIUM
Charter #11409 · NC
LITHIUM has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.90% above tier average
- + Member Growth Rate: Top 8.1% in tier
- + Loan-to-Share Ratio: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 0.09% above tier (higher cost structure)
- - Delinquency rate 1.10% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,619
+4.2% YoY+1.4% QoQ
|
-1.1K |
2,676
+1.6% YoY
|
91,843
+3.2% YoY
|
33,913
+5.7% YoY
|
43% |
| Assets |
$15.8M
+0.2% YoY-1.1% QoQ
|
$-14.4M |
$30.2M
+1.3% YoY
|
$1.6B
+7.7% YoY
|
$578.3M
+9.0% YoY
|
42% |
| Loans |
$12.1M
+6.9% YoY-0.4% QoQ
|
$-3.2M |
$15.3M
-2.0% YoY
|
$1.1B
+5.7% YoY
|
$402.4M
+8.7% YoY
|
56% |
| Deposits |
$13.5M
+0.6% YoY-1.3% QoQ
|
$-12.3M |
$25.8M
+0.7% YoY
|
$1.4B
+7.2% YoY
|
$494.3M
+9.1% YoY
|
43% |
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| ROA |
0.1%
-72.7% YoY-78.2% QoQ
|
+0.0% |
0.1%
-77.6% YoY
|
0.4%
+21.7% YoY
|
0.4%
-39.2% YoY
|
26% |
| NIM |
4.9%
+2.0% YoY-0.9% QoQ
|
+0.9% |
4.0%
+4.0% YoY
|
4.0%
+0.2% YoY
|
3.8%
+4.1% YoY
|
Top 13.2% in tier |
| Efficiency Ratio |
90.7%
+3.5% YoY+8.8% QoQ
|
+0.1% |
90.6%
+6.5% YoY
|
84.1%
+2.7% YoY
|
84.6%
+2.8% YoY
|
70% |
| Delinquency Rate |
2.6%
+111.2% YoY-12.8% QoQ
|
+1.1 |
1.5%
+3.8% YoY
|
1.3%
-24.7% YoY
|
1.2%
+3.4% YoY
|
Bottom 13.8% in tier |
| Loan To Share |
89.6%
+6.2% YoY+0.9% QoQ
|
+31.1% |
58.5%
-3.0% YoY
|
74.3%
+0.8% YoY
|
65.6%
-1.4% YoY
|
Top 8.5% in tier |
| AMR |
$15,847
-0.7% YoY-2.2% QoQ
|
+$963 |
$14,884
-1.7% YoY
|
$17,856
+2.9% YoY
|
$19,920
+1.6% YoY
|
60% |
| CD Concentration |
21.7%
+6.5% YoY-0.6% QoQ
|
-2.6% | 24.3% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.9% | 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)