BlastPoint's Credit Union Scorecard
MARINE
Charter #12977 · NC
MARINE has 5 strengths but faces 9 concerns
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How does NC stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 25.2% in tier
- + Net Interest Margin 1.39% above tier average
- + First Mortgage Concentration (%): Top 3.9% in tier
- + AMR Growth Rate: Top 8.6% in tier
- + Efficiency Ratio: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 11.7% in tier
- - Stagnation Risk: Bottom 15.9% in tier
- - Indirect Auto Dependency: Bottom 15.9% in tier
- - ROA 0.03% below tier average
- - Delinquency rate 0.37% above tier average
- - Member decline: -4.0% YoY
- - Net Charge-Off Rate: Bottom 2.6% in tier
- - Total Assets: Bottom 6.6% in tier
- - Member Growth Rate: Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
78,264
-4.0% YoY-0.6% QoQ
|
-20.4K |
98,678
-1.9% YoY
|
91,841
+6.6% YoY
|
33,089
+6.1% YoY
|
39% |
| Assets |
$1.1B
+3.5% YoY+1.8% QoQ
|
$-668.3M |
$1.7B
+0.5% YoY
|
$1.5B
+5.5% YoY
|
$547.7M
+7.8% YoY
|
Bottom 6.2% in tier |
| Loans |
$774.0M
+6.8% YoY+6.4% QoQ
|
$-459.1M |
$1.2B
+0.5% YoY
|
$1.1B
+9.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 13.5% in tier |
| Deposits |
$927.9M
+4.6% YoY+1.6% QoQ
|
$-526.5M |
$1.5B
+1.3% YoY
|
$1.3B
+12.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 11.2% in tier |
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| ROA |
0.7%
-3.3% YoY-10.9% QoQ
|
-0.0% |
0.7%
+13.4% YoY
|
0.4%
-19.0% YoY
|
0.7%
+273.4% YoY
|
51% |
| NIM |
4.6%
+4.4% YoY-0.0% QoQ
|
+1.4% |
3.3%
+9.3% YoY
|
4.1%
+4.0% YoY
|
3.7%
+5.0% YoY
|
Top 1.3% in tier |
| Efficiency Ratio |
61.2%
-4.7% YoY-0.5% QoQ
|
-12.8% |
74.0%
-10.9% YoY
|
81.5%
-1.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 8.9% in tier |
| Delinquency Rate |
1.2%
-5.8% YoY+10.8% QoQ
|
+0.4 |
0.8%
+6.1% YoY
|
1.5%
+2.4% YoY
|
1.2%
-0.9% YoY
|
83% |
| Loan To Share |
83.4%
+2.1% YoY+4.7% QoQ
|
-1.8% |
85.2%
-0.8% YoY
|
76.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
37% |
| AMR |
$21,745
+10.0% YoY+4.4% QoQ
|
$-7K |
$29,172
+2.8% YoY
|
$17,441
+4.0% YoY
|
$19,418
+1.3% YoY
|
Bottom 12.8% in tier |
| CD Concentration |
21.5%
+3.0% YoY+0.6% QoQ
|
-7.4% |
29.0%
+0.7% YoY
|
20.6%
+2.2% YoY
|
19.6%
+6.2% YoY
|
18% |
| Indirect Auto % |
24.2%
-13.4% YoY-6.5% QoQ
|
+5.4% |
18.8%
-3.0% YoY
|
5.3%
-2.9% YoY
|
7.9%
-2.9% YoY
|
67% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking 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)