BlastPoint's Credit Union Scorecard
NORTH CAROLINA COMMUNITY
Charter #12004 · NC
NORTH CAROLINA COMMUNITY has 7 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Emerging Performer: Top 50.0% in tier
- + ROA 0.29% above tier average
- + Net Interest Margin 0.64% above tier average
- + Deposit Growth Rate: Top 7.0% in tier
- + Total Delinquency Rate (60+ days): Top 7.1% in tier
- + Asset Growth Rate: Top 8.2% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Total Assets: Bottom 4.7% in tier
- - Indirect Auto Concentration (%): Bottom 5.5% in tier
- - Total Members: Bottom 5.8% in tier
- - Members Per Employee (MPE): Bottom 6.6% in tier
- - Total Loans: Bottom 8.3% in tier
- - Total Deposits: Bottom 9.5% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 13 that size in North Carolina.
- Shares and deposits +10.7% year over year ($98.3M in shares and deposits).
- Membership: 5,875 members, +1.3% vs a year ago.
- Delinquency rate 0.13%.
- Return on assets 1.15%.
- Efficiency ratio 74.78% vs a 76.73% peer average.
- Loan-to-share ratio 56.21% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,875
+1.3% YoY+0.1% QoQ
|
-9.3K |
15,168
-2.6% YoY
|
91,933
+2.2% YoY
|
34,678
+6.6% YoY
|
Bottom 5.7% in tier |
| Assets |
$107.1M
+10.4% YoY+4.3% QoQ
|
$-125.0M |
$232.0M
+0.7% YoY
|
$1.6B
+7.2% YoY
|
$593.1M
+10.2% YoY
|
Bottom 4.6% in tier |
| Loans |
$55.2M
+4.2% YoY+1.5% QoQ
|
$-91.0M |
$146.3M
+0.2% YoY
|
$1.1B
+5.6% YoY
|
$418.6M
+10.1% YoY
|
Bottom 8.2% in tier |
| Deposits |
$98.3M
+10.7% YoY+4.9% QoQ
|
$-102.4M |
$200.7M
+0.2% YoY
|
$1.4B
+7.1% YoY
|
$504.8M
+10.3% YoY
|
Bottom 9.4% in tier |
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 |
1.2%
+3.5% YoY+8.7% QoQ
|
+0.3% |
0.9%
+12.5% YoY
|
0.9%
+189.6% YoY
|
1.2%
+121.4% YoY
|
73% |
| NIM |
4.3%
-2.5% YoY-0.5% QoQ
|
+0.6% |
3.7%
+4.5% YoY
|
4.0%
+0.2% YoY
|
3.8%
+2.3% YoY
|
85% |
| Efficiency Ratio |
74.8%
+1.2% YoY-0.2% QoQ
|
-2.0% |
76.7%
-0.8% YoY
|
83.1%
+0.7% YoY
|
83.0%
-5.3% YoY
|
40% |
| Delinquency Rate |
0.1%
-8.2% YoY-39.7% QoQ
|
-0.8 |
0.9%
+6.6% YoY
|
1.5%
+12.0% YoY
|
1.3%
+2.6% YoY
|
Top 7.1% in tier |
| Loan To Share |
56.2%
-5.9% YoY-3.2% QoQ
|
-15.3% |
71.5%
-0.3% YoY
|
74.9%
+0.0% YoY
|
66.4%
-1.4% YoY
|
19% |
| AMR |
$26,129
+6.9% YoY+3.5% QoQ
|
+$1K |
$25,107
+3.2% YoY
|
$17,976
+4.0% YoY
|
$20,028
-0.9% YoY
|
67% |
| CD Concentration |
15.9%
+30.2% YoY+7.9% QoQ
|
-8.7% | 24.6% | 21.4% | 20.0% | 50% |
| Indirect Auto % |
44.8%
-2.1% YoY-4.5% QoQ
|
+31.1% | 13.6% | 4.6% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)