BlastPoint's Credit Union Scorecard

NORTH CAROLINA COMMUNITY

Charter #12004 · NC

1069 CUs in 100M-500M nationally 13 in NC

NORTH CAROLINA COMMUNITY has 7 strengths but faces 9 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

  • + Organic Growth Engine: Top 33.5% in tier
  • + Emerging Performer: Top 33.7% in tier
  • + Wallet Share Momentum: Top 82.6% in tier
  • + ROA 0.42% above tier average
  • + Net Interest Margin 0.86% above tier average
  • + Loan Growth Rate: Top 6.2% in tier
  • + Total Delinquency Rate (60+ days): Top 6.3% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 21.0% in tier
  • - Credit Risk Growth: Bottom 28.3% in tier
  • - Credit Quality Pressure: Bottom 69.9% in tier
  • - Total Assets: Bottom 0.5% in tier
  • - Total Deposits: Bottom 3.3% in tier
  • - Indirect Auto Concentration (%): Bottom 4.2% in tier
  • - Total Members: Bottom 5.3% in tier
  • - Members Per Employee (MPE): Bottom 6.1% in tier
  • - Total Loans: Bottom 7.1% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
Members 5,835
+3.8% YoY+0.5% QoQ
 -9.6K 15,437
-2.9% YoY
 91,719
+6.9% YoY
 33,374
+5.7% YoY
 Bottom 5.2% in tier
Assets $100.5M
+6.0% YoY+3.8% QoQ
 $-131.4M $231.9M
+1.3% YoY
 $1.6B
+12.6% YoY
 $561.6M
+9.7% YoY
 Bottom 0.4% in tier
Loans $54.3M
+16.0% YoY-0.6% QoQ
 $-93.1M $147.3M
-0.1% YoY
 $1.1B
+9.8% YoY
 $397.0M
+8.8% YoY
 Bottom 7.0% in tier
Deposits $90.1M
+6.6% YoY+2.2% QoQ
 $-110.7M $200.8M
+0.8% YoY
 $1.4B
+12.2% YoY
 $477.3M
+9.7% YoY
 Bottom 3.2% 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 1.2%
+3.8% YoY-2.8% QoQ
 +0.4% 0.8%
+18.2% YoY
 0.2%
-40.7% YoY
 0.7%
+15.9% YoY
 79%
NIM 4.5%
+5.6% YoY-1.3% QoQ
 +0.9% 3.6%
+6.7% YoY
 4.1%
+4.6% YoY
 3.8%
+5.1% YoY
 Top 10.4% in tier
Efficiency Ratio 73.7%
-1.6% YoY+0.6% QoQ
 -3.3% 77.0%
-3.1% YoY
 80.6%
-3.1% YoY
 79.7%
-3.3% YoY
 35%
Delinquency Rate 0.1%
+679.2% YoY+77.5% QoQ
 -0.8 0.9%
+4.2% YoY
 2.1%
-15.0% YoY
 1.3%
-2.1% YoY
 Bottom 6.3% in tier
Loan To Share 60.2%
+8.8% YoY-2.7% QoQ
 -12.0% 72.2%
-1.1% YoY
 75.9%
+1.0% YoY
 67.4%
-1.7% YoY
 24%
AMR $24,748
+6.0% YoY+0.7% QoQ
 +$72 $24,676
+3.4% YoY
 $17,588
+4.6% YoY
 $19,687
+2.0% YoY
 61%
CD Concentration 14.5%
+29.5% YoY+12.7% QoQ
 -10.0% 24.4% 21.7% 19.8% 50%
Indirect Auto % 47.0%
+9.8% YoY+1.8% QoQ
 +33.2% 13.8% 5.1% 7.8% 50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth
#200 of 595 • Top 33.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.77%
(Tier: 0.69%, National: 4.32%)
better than tier avg
Return on Assets: 1.19%
(Tier: 0.75%, National: 0.67%)
better than tier avg
Indirect Auto %: 47.01%
(Tier: 13.79%, National: 7.78%)
but worse than tier avg
595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally
→ No prior data (595 CUs now) | New qualifier

Emerging Performer

growth
#62 of 182 • Top 33.7% 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: 1.19%
(Tier: 0.75%, National: 0.67%)
better than tier avg
Member Growth (YoY): 3.77%
(Tier: 0.69%, National: 4.32%)
better than tier avg
182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally
→ No prior data (182 CUs now) | New qualifier

Wallet Share Momentum

growth
#424 of 513 • Top 82.6% in tier

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

Why This Signature
AMR Growth (YoY): 5.98%
(Tier: 4.17%, National: 4.00%)
better than tier avg
513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally
↑ Growing +180 CUs YoY | New qualifier

Concerns (3)

Indirect Auto Dependency

risk
#107 of 506 • Bottom 21.0% in tier

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

Why This Signature
Asset Growth (YoY): 6.00%
(Tier: 5.37%, National: 3.54%)
but better than tier avg
Indirect Auto %: 47.01%
(Tier: 13.79%, National: 7.78%)
worse than tier avg
Member Growth (YoY): 3.77%
(Tier: 0.69%, National: 4.32%)
but better than tier avg
506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally
↓ Shrinking -35 CUs YoY | New qualifier

Credit Risk Growth

risk
#130 of 456 • Bottom 28.3% in tier

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

Why This Signature
Loan Growth (YoY): 16.02%
(Tier: 4.11%, National: 111.96%)
but better than tier avg
Delinquency Change (YoY): 0.11% points
(Tier: 0.03% points, National: 0.06% points)
worse than tier avg
456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally
→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk
#493 of 705 • Bottom 69.9% in tier

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

Why This Signature
Delinquency Change (YoY): 0.11% points
(Tier: 0.03% points, National: 0.06% points)
worse than tier avg
705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally
↓ Shrinking -150 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)

Comparing against 1069 peers in tier

Top Strengths (7 metrics)

67
Loan Growth Rate
growth
Value: 16.02%
Peer Median: -
#67 of 1069 Top 6.2% in 100M-500M tier
68
Total Delinquency Rate (60+ days)
risk
Value: 0.13%
Peer Median: -
#68 of 1069 Top 6.3% in 100M-500M tier
111
Net Interest Margin (NIM)
profitability
Value: 4.46%
Peer Median: -
#111 of 1069 Top 10.3% in 100M-500M tier
159
Member Growth Rate
growth
Value: 3.77%
Peer Median: -
#159 of 1069 Top 14.8% in 100M-500M tier
221
Return on Assets (ROA)
profitability
Value: 1.19%
Peer Median: -
#221 of 1069 Top 20.6% in 100M-500M tier
222
Share Certificate Concentration (%)
balance_sheet
Value: 14.45%
Peer Median: -
#222 of 1069 Top 20.7% in 100M-500M tier
224
Net Charge-Off Rate
risk
Value: 0.15%
Peer Median: -
#224 of 1069 Top 20.9% in 100M-500M tier

Top Weaknesses (7 metrics)

1065
Total Assets
balance_sheet
Value: $100.50M
Peer Median: -
#1065 of 1069 Bottom 0.5% in 100M-500M tier
1035
Total Deposits
balance_sheet
Value: $90.14M
Peer Median: -
#1035 of 1069 Bottom 3.3% in 100M-500M tier
1025
Indirect Auto Concentration (%)
balance_sheet
Value: 47.01%
Peer Median: -
#1025 of 1069 Bottom 4.2% in 100M-500M tier
1013
Total Members
engagement
Value: 5,835
Peer Median: -
#1013 of 1069 Bottom 5.3% in 100M-500M tier
1005
Members Per Employee (MPE)
engagement
Value: 208.393
Peer Median: -
#1005 of 1069 Bottom 6.1% in 100M-500M tier
994
Total Loans
balance_sheet
Value: $54.27M
Peer Median: -
#994 of 1069 Bottom 7.1% in 100M-500M tier
815
Loan-to-Share Ratio
balance_sheet
Value: 60.21%
Peer Median: -
#815 of 1069 Bottom 23.9% in 100M-500M tier
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