BlastPoint's Credit Union Scorecard
NORTH CAROLINA COMMUNITY
Charter #12004 · NC
NORTH CAROLINA COMMUNITY has 8 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.54% above tier average
- + Net Interest Margin 0.59% above tier average
- + Total Deposits: Top 0.2% in tier
- + Total Assets: Top 1.0% in tier
- + Total Loans: Top 3.6% in tier
- + Loan Growth Rate: Top 3.7% in tier
- + Average Member Relationship (AMR): Top 8.7% in tier
- + Member Growth Rate: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Concentration (%): Bottom 2.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,806
+3.8% YoY+0.1% QoQ
|
+3.2K |
2,625
-2.2% YoY
|
91,841
+6.6% YoY
|
33,089
+6.1% YoY
|
Top 10.3% in tier |
| Assets |
$96.8M
+5.4% YoY-0.2% QoQ
|
+$66.9M |
$29.9M
+1.1% YoY
|
$1.5B
+5.5% YoY
|
$547.7M
+7.8% YoY
|
Top 1.0% in tier |
| Loans |
$54.6M
+18.9% YoY+3.0% QoQ
|
+$38.8M |
$15.8M
-2.4% YoY
|
$1.1B
+9.9% YoY
|
$388.7M
+8.6% YoY
|
Top 3.6% in tier |
| Deposits |
$88.2M
+7.9% YoY-0.7% QoQ
|
+$62.7M |
$25.5M
+0.4% YoY
|
$1.3B
+12.1% YoY
|
$464.6M
+9.3% YoY
|
Top 0.2% in tier |
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| ROA |
1.2%
-6.0% YoY+9.6% QoQ
|
+0.5% |
0.7%
-731.4% YoY
|
0.4%
-19.0% YoY
|
0.7%
+273.4% YoY
|
71% |
| NIM |
4.5%
+6.5% YoY+2.0% QoQ
|
+0.6% |
3.9%
+3.8% YoY
|
4.1%
+4.0% YoY
|
3.7%
+5.0% YoY
|
74% |
| Efficiency Ratio |
73.2%
+0.6% YoY-0.9% QoQ
|
-8.1% |
81.4%
-2.4% YoY
|
81.5%
-1.2% YoY
|
79.1%
-3.3% YoY
|
38% |
| Delinquency Rate |
0.1%
-82.6% YoY-49.0% QoQ
|
-1.4 |
1.5%
-2.0% YoY
|
1.5%
+2.4% YoY
|
1.2%
-0.9% YoY
|
19% |
| Loan To Share |
61.9%
+10.1% YoY+3.7% QoQ
|
+0.7% |
61.2%
-3.0% YoY
|
76.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
51% |
| AMR |
$24,584
+7.7% YoY+0.6% QoQ
|
+$10K |
$14,627
-2.7% YoY
|
$17,441
+4.0% YoY
|
$19,418
+1.3% YoY
|
Top 8.7% in tier |
| CD Concentration |
12.8%
+23.1% YoY+5.1% QoQ
|
-11.6% |
24.4%
+4.2% YoY
|
20.6%
+2.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
46.2%
+13.1% YoY+0.9% QoQ
|
+32.2% |
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)