BlastPoint's Credit Union Scorecard
LITHIUM
Charter #11409 · NC
LITHIUM has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.99% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 7.7% in tier
- + Asset Growth Rate: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.12% below tier average
- - Efficiency ratio 1.99% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,579
+3.1% YoY+1.3% QoQ
|
-1.0K |
2,625
-2.2% YoY
|
91,841
+6.6% YoY
|
33,089
+6.1% YoY
|
42% |
| Assets |
$15.9M
+9.7% YoY+1.0% QoQ
|
$-13.9M |
$29.9M
+1.1% YoY
|
$1.5B
+5.5% YoY
|
$547.7M
+7.8% YoY
|
43% |
| Loans |
$11.8M
+2.2% YoY+2.8% QoQ
|
$-3.9M |
$15.8M
-2.4% YoY
|
$1.1B
+9.9% YoY
|
$388.7M
+8.6% YoY
|
55% |
| Deposits |
$13.7M
+10.7% YoY+1.7% QoQ
|
$-11.8M |
$25.5M
+0.4% YoY
|
$1.3B
+12.1% YoY
|
$464.6M
+9.3% YoY
|
44% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.6%
+149.9% YoY+30.2% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.4%
-19.0% YoY
|
0.7%
+273.4% YoY
|
39% |
| NIM |
4.9%
+16.8% YoY+2.6% QoQ
|
+1.0% |
3.9%
+3.8% YoY
|
4.1%
+4.0% YoY
|
3.7%
+5.0% YoY
|
84% |
| Efficiency Ratio |
83.4%
-7.4% YoY-1.6% QoQ
|
+2.0% |
81.4%
-2.4% YoY
|
81.5%
-1.2% YoY
|
79.1%
-3.3% YoY
|
62% |
| Delinquency Rate |
1.2%
-8.3% YoY-51.6% QoQ
|
-0.3 |
1.5%
-2.0% YoY
|
1.5%
+2.4% YoY
|
1.2%
-0.9% YoY
|
66% |
| Loan To Share |
86.7%
-7.6% YoY+1.0% QoQ
|
+25.5% |
61.2%
-3.0% YoY
|
76.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
Top 14.5% in tier |
| AMR |
$16,152
+3.4% YoY+0.9% QoQ
|
+$2K |
$14,627
-2.7% YoY
|
$17,441
+4.0% YoY
|
$19,418
+1.3% YoY
|
63% |
| CD Concentration |
21.4%
-14.8% YoY+3.2% QoQ
|
-3.0% |
24.4%
+4.2% YoY
|
20.6%
+2.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.3%
-2.9% YoY
|
7.9%
-2.9% YoY
|
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)