BlastPoint's Credit Union Scorecard
MARINE
Charter #12977 · NC
MARINE has 5 strengths but faces 10 concerns
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How does NC stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 38.5% in tier
- + ROA 0.06% above tier average
- + Net Interest Margin 1.42% above tier average
- + First Mortgage Concentration (%): Top 4.6% in tier
- + Efficiency Ratio: Top 7.6% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 14.7% in tier
- - Credit Quality Pressure: Bottom 16.7% in tier
- - Membership Headwinds: Bottom 42.9% in tier
- - Stagnation Risk: Bottom 48.8% in tier
- - Indirect Auto Dependency: Bottom 63.1% in tier
- - Delinquency rate 0.81% above tier average
- - Member decline: -3.2% YoY
- - Net Charge-Off Rate: Bottom 3.6% in tier
- - Total Assets: Bottom 5.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
77,774
-3.2% YoY-0.6% QoQ
|
-19.7K |
97,431
-2.4% YoY
|
91,719
+6.9% YoY
|
33,374
+5.7% YoY
|
39% |
| Assets |
$1.1B
+4.2% YoY+0.6% QoQ
|
$-665.8M |
$1.7B
+0.9% YoY
|
$1.6B
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Bottom 5.3% in tier |
| Loans |
$780.9M
+7.6% YoY+0.9% QoQ
|
$-453.5M |
$1.2B
+0.5% YoY
|
$1.1B
+9.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 13.6% in tier |
| Deposits |
$931.6M
+3.5% YoY+0.4% QoQ
|
$-527.7M |
$1.5B
+0.9% YoY
|
$1.4B
+12.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 9.9% in tier |
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| ROA |
0.7%
+5.0% YoY+9.4% QoQ
|
+0.1% |
0.7%
+20.9% YoY
|
0.2%
-40.7% YoY
|
0.7%
+15.9% YoY
|
58% |
| NIM |
4.7%
+4.9% YoY+0.9% QoQ
|
+1.4% |
3.3%
+9.2% YoY
|
4.1%
+4.6% YoY
|
3.8%
+5.1% YoY
|
Top 1.3% in tier |
| Efficiency Ratio |
60.4%
-4.7% YoY-1.3% QoQ
|
-13.6% |
74.1%
-9.5% YoY
|
80.6%
-3.1% YoY
|
79.7%
-3.3% YoY
|
Bottom 7.6% in tier |
| Delinquency Rate |
1.7%
+26.4% YoY+42.3% QoQ
|
+0.8 |
0.9%
+6.2% YoY
|
2.1%
-15.0% YoY
|
1.3%
-2.1% YoY
|
Top 8.3% in tier |
| Loan To Share |
83.8%
+4.0% YoY+0.5% QoQ
|
-1.0% |
84.8%
-0.8% YoY
|
75.9%
+1.0% YoY
|
67.4%
-1.7% YoY
|
40% |
| AMR |
$22,019
+8.8% YoY+1.3% QoQ
|
$-7K |
$29,428
+2.4% YoY
|
$17,588
+4.6% YoY
|
$19,687
+2.0% YoY
|
Bottom 14.6% in tier |
| CD Concentration |
21.5%
+1.9% YoY-0.3% QoQ
|
-7.6% | 29.0% | 21.7% | 19.8% | 18% |
| Indirect Auto % |
23.0%
-14.3% YoY-5.0% QoQ
|
+4.7% | 18.3% | 5.1% | 7.8% | 66% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)