BlastPoint's Credit Union Scorecard

NORTH CAROLINA COMMUNITY

Charter #12004 · NC

100M-500M

1070 CUs in 100M-500M nationally 13 in NC

NORTH CAROLINA COMMUNITY has 4 strengths but faces 8 concerns

National Analysis

How does the industry compare?

NC Analysis

How does NC stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Emerging Performer: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.33% above tier average
+ Net Interest Margin 0.71% above tier average

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Total Assets: Bottom 3.0% in tier
- Indirect Auto Concentration (%): Bottom 4.4% in tier
- Total Members: Bottom 5.8% in tier
- Total Deposits: Bottom 6.0% in tier
- Total Loans: Bottom 8.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Members	5,869 +2.4% YoY+0.6% QoQ	-9.3K	15,145 -2.5% YoY	91,843 +3.2% YoY	33,913 +5.7% YoY	Bottom 5.7% in tier
Assets	$102.7M +6.9% YoY+2.2% QoQ	$-129.0M	$231.7M +0.8% YoY	$1.6B +7.7% YoY	$578.3M +9.0% YoY	Bottom 2.9% in tier
Loans	$54.4M +7.6% YoY+0.2% QoQ	$-89.7M	$144.1M +0.2% YoY	$1.1B +5.7% YoY	$402.4M +8.7% YoY	Bottom 8.1% in tier
Deposits	$93.7M +9.7% YoY+4.0% QoQ	$-107.4M	$201.1M +0.4% YoY	$1.4B +7.2% YoY	$494.3M +9.1% YoY	Bottom 5.9% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.1% +1.7% YoY-10.6% QoQ	+0.3%	0.7% +5.1% YoY	0.4% +21.7% YoY	0.4% -39.2% YoY	73%
NIM	4.3% +0.1% YoY-2.6% QoQ	+0.7%	3.6% +4.6% YoY	4.0% +0.2% YoY	3.8% +4.1% YoY	Top 13.4% in tier
Efficiency Ratio	74.9% -0.2% YoY+1.6% QoQ	-3.1%	78.0% -1.7% YoY	84.1% +2.7% YoY	84.6% +2.8% YoY	38%
Delinquency Rate	0.2% +284.3% YoY+68.1% QoQ	-0.6	0.8% +7.1% YoY	1.3% -24.7% YoY	1.2% +3.4% YoY	Top 14.3% in tier
Loan To Share	58.1% -1.9% YoY-3.6% QoQ	-12.4%	70.4% -0.4% YoY	74.3% +0.8% YoY	65.6% -1.4% YoY	23%
AMR	$25,235 +6.4% YoY+2.0% QoQ	+$317	$24,918 +2.7% YoY	$17,856 +2.9% YoY	$19,920 +1.6% YoY	63%
CD Concentration	14.7% +26.8% YoY+2.0% QoQ	-9.5%	24.3%	21.2%	19.8%	50%
Indirect Auto %	46.9% +2.2% YoY-0.3% QoQ	+33.1%	13.8%	4.9%	7.7%	50%

Signature Analysis

Strengths (2)

Emerging Performer

growth

#98 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.06%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 2.39%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Wallet Share Momentum

growth

#338 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.39%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (3)

Indirect Auto Dependency

risk

#53 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 6.92%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 46.87%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 2.39%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | New qualifier

Credit Risk Growth

risk

#194 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 7.64%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.16% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#393 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.16% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (6 metrics)

110

Deposit Growth Rate

growth

Value: 9.70%

Peer Median: 3.30%

#110 of 1070 Top 10.2% in 100M-500M tier

143

Net Interest Margin (NIM)

profitability

Value: 4.34%

Peer Median: 3.62%

#143 of 1070 Top 13.3% in 100M-500M tier

154

Total Delinquency Rate (60+ days)

risk

Value: 0.21%

Peer Median: 0.61%

#154 of 1070 Top 14.3% in 100M-500M tier

227

Share Certificate Concentration (%)

balance_sheet

Value: 14.74%

Peer Median: 23.10%

#227 of 1070 Top 21.1% in 100M-500M tier

259

Member Growth Rate

growth

Value: 2.39%

Peer Median: -0.06%

#259 of 1070 Top 24.1% in 100M-500M tier

261

AMR Growth Rate

growth

Value: 6.39%

Peer Median: 3.46%

#261 of 1070 Top 24.3% in 100M-500M tier

Top Weaknesses (7 metrics)

1039

Total Assets

balance_sheet

Value: $102.67M

Peer Median: $196.57M

#1039 of 1070 Bottom 3.0% in 100M-500M tier

1024

Indirect Auto Concentration (%)

balance_sheet

Value: 46.87%

Peer Median: 6.61%

#1024 of 1070 Bottom 4.4% in 100M-500M tier

1009

Total Members

engagement

Value: 5,869

Peer Median: 13,200

#1009 of 1070 Bottom 5.8% in 100M-500M tier

1007

Total Deposits

balance_sheet

Value: $93.70M

Peer Median: $171.29M

#1007 of 1070 Bottom 6.0% in 100M-500M tier

983

Total Loans

balance_sheet

Value: $54.40M

Peer Median: $121.41M

#983 of 1070 Bottom 8.2% in 100M-500M tier

982

Members Per Employee (MPE)

engagement

Value: 217.370

Peer Median: 309.176

#982 of 1070 Bottom 8.3% in 100M-500M tier

823

Loan-to-Share Ratio

balance_sheet

Value: 58.06%

Peer Median: 71.88%

#823 of 1070 Bottom 23.2% in 100M-500M tier