BlastPoint's Credit Union Scorecard

MARINE

Charter #12977 · NC

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 6 in NC

View Mid-Market leaderboard →

MARINE has 5 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

NC Analysis

How does NC stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 9.2% in tier
+ Net Interest Margin 1.46% above tier average
+ First Mortgage Concentration (%): Top 5.6% in tier
+ Efficiency Ratio: Top 8.8% in tier
+ AMR Growth Rate: Top 9.2% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 9.7% in tier
- Credit Risk Growth: Bottom 21.1% in tier
- Indirect Auto Dependency: Bottom 49.7% in tier
- Stagnation Risk: Bottom 86.8% in tier
- Membership Headwinds: Bottom 86.8% in tier
- ROA 0.10% below tier average
- Delinquency rate 0.59% above tier average
- Member decline: -2.4% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Members	77,115 -2.4% YoY-0.8% QoQ	-18.9K	96,048 -2.7% YoY	91,843 +3.2% YoY	33,913 +5.7% YoY	39%
Assets	$1.1B +5.0% YoY+2.3% QoQ	$-638.1M	$1.7B +0.4% YoY	$1.6B +7.7% YoY	$578.3M +9.0% YoY	Bottom 7.5% in tier
Loans	$784.6M +10.6% YoY+0.5% QoQ	$-429.1M	$1.2B +0.2% YoY	$1.1B +5.7% YoY	$402.4M +8.7% YoY	15%
Deposits	$961.1M +5.6% YoY+3.2% QoQ	$-504.4M	$1.5B +0.5% YoY	$1.4B +7.2% YoY	$494.3M +9.1% YoY	Bottom 12.4% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.6% -28.7% YoY-16.4% QoQ	-0.1%	0.7% +27.6% YoY	0.4% +21.7% YoY	0.4% -39.2% YoY	45%
NIM	4.8% +3.7% YoY+2.6% QoQ	+1.5%	3.4% +6.2% YoY	4.0% +0.2% YoY	3.8% +4.1% YoY	Top 2.0% in tier
Efficiency Ratio	61.4% -2.2% YoY+1.7% QoQ	-13.2%	74.6% -3.0% YoY	84.1% +2.7% YoY	84.6% +2.8% YoY	Top 8.8% in tier
Delinquency Rate	1.3% +32.9% YoY-21.0% QoQ	+0.6	0.8% +6.9% YoY	1.3% -24.7% YoY	1.2% +3.4% YoY	Bottom 9.5% in tier
Loan To Share	81.6% +4.8% YoY-2.6% QoQ	-1.5%	83.2% -0.4% YoY	74.3% +0.8% YoY	65.6% -1.4% YoY	39%
AMR	$22,638 +10.4% YoY+2.8% QoQ	$-7K	$29,652 +2.3% YoY	$17,856 +2.9% YoY	$19,920 +1.6% YoY	16%
CD Concentration	21.2% +2.2% YoY-1.4% QoQ	-7.6%	28.8%	21.2%	19.8%	18%
Indirect Auto %	21.7% -18.1% YoY-5.7% QoQ	+3.6%	18.1%	4.9%	7.7%	64%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#35 of 125 • Top 9.2% in tier

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

Why This Signature

AMR Growth (YoY): 10.38%

(Tier: 3.34%, National: 6.36%)

better than tier avg

125 of 384 Mid-Market CUs have this signature | 637 nationally

↑ Growing +31 CUs YoY | Rank improving

Concerns (5)

Credit Risk Growth

risk

#14 of 183 • Bottom 21.1% in tier

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

Why This Signature

Loan Growth (YoY): 10.64%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.33% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Credit Quality Pressure

risk

#37 of 225 • Bottom 9.7% in tier

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

Why This Signature

Delinquency Change (YoY): 0.33% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#104 of 198 • Bottom 49.7% in tier

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

Why This Signature

Asset Growth (YoY): 5.01%

(Tier: 6.82%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 21.67%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -2.36%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank improving

Stagnation Risk

risk

#50 of 91 • Bottom 86.8% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.36%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 10.64%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

Delinquency Rate: 1.35%

(Tier: 0.75%, National: 1.19%)

worse than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Membership Headwinds

decline

#51 of 91 • Bottom 86.8% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -2.36%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | 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 306 peers in tier

Top Strengths (6 metrics)

Net Interest Margin (NIM)

profitability

Value: 4.81%

Peer Median: 3.37%

#6 of 306 Top 1.6% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 12.84%

Peer Median: 33.05%

#18 of 306 Top 5.6% in 1B-3B tier

Efficiency Ratio

profitability

Value: 61.43%

Peer Median: 75.16%

#28 of 306 Top 8.8% in 1B-3B tier

AMR Growth Rate

growth

Value: 10.38%

Peer Median: 3.15%

#29 of 306 Top 9.2% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 21.20%

Peer Median: 27.93%

#60 of 306 Top 19.3% in 1B-3B tier

Loan Growth Rate

growth

Value: 10.64%

Peer Median: 5.67%

#62 of 306 Top 19.9% in 1B-3B tier

Top Weaknesses (8 metrics)

303

Net Charge-Off Rate

risk

Value: 1.97%

Peer Median: 0.51%

#303 of 306 Bottom 1.3% in 1B-3B tier

283

Total Assets

balance_sheet

Value: $1.08B

Peer Median: $1.51B

#283 of 306 Bottom 7.8% in 1B-3B tier

278

Total Delinquency Rate (60+ days)

risk

Value: 1.35%

Peer Median: 0.63%

#278 of 306 Bottom 9.5% in 1B-3B tier

268

Total Deposits

balance_sheet

Value: $961.13M

Peer Median: $1.31B

#268 of 306 Bottom 12.7% in 1B-3B tier

263

Member Growth Rate

growth

Value: -2.36%

Peer Median: 2.03%

#263 of 306 Bottom 14.4% in 1B-3B tier

259

Total Loans

balance_sheet

Value: $784.62M

Peer Median: $1.11B

#259 of 306 Bottom 15.7% in 1B-3B tier

256

Average Member Relationship (AMR)

engagement

Value: $22,638

Peer Median: $28,178

#256 of 306 Bottom 16.7% in 1B-3B tier

249

Loan-to-Member Ratio (LMR)

engagement

Value: $10,175

Peer Median: $12,733

#249 of 306 Bottom 19.0% in 1B-3B tier