BlastPoint's Credit Union Scorecard

FORT BRAGG

Charter #13690 · NC

Community 500M-750M

165 CUs in 500M-750M nationally 3 in NC

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FORT BRAGG has 3 strengths but faces 6 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

NC Analysis

How does NC stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.36% above tier average
+ Efficiency Ratio: Top 3.6% in tier
+ Members Per Employee (MPE): Top 4.2% in tier

Key Concerns

Areas that may need attention

- Institutional Decline: Bottom 5.9% in tier
- Stagnation Risk: Bottom 17.7% in tier
- Membership Headwinds: Bottom 37.2% in tier
- Indirect Auto Dependency: Bottom 60.8% in tier
- Member decline: -3.7% YoY
- Loan Growth Rate: Bottom 4.8% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Members	35,799 -3.7% YoY-1.6% QoQ	-2.8K	38,575 -4.8% YoY	91,719 +6.9% YoY	33,374 +5.7% YoY	43%
Assets	$665.8M +3.1% YoY+0.3% QoQ	+$44.1M	$621.7M +0.1% YoY	$1.6B +12.6% YoY	$561.6M +9.7% YoY	68%
Loans	$389.9M -10.3% YoY-3.7% QoQ	$-39.9M	$429.8M -1.8% YoY	$1.1B +9.8% YoY	$397.0M +8.8% YoY	31%
Deposits	$579.6M +4.0% YoY+0.1% QoQ	+$40.8M	$538.7M +0.6% YoY	$1.4B +12.2% YoY	$477.3M +9.7% YoY	73%

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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	1.0% +7.8% YoY-5.9% QoQ	+0.4%	0.7% +42.9% YoY	0.2% -40.7% YoY	0.7% +15.9% YoY	78%
NIM	2.7% +3.6% YoY-6.5% QoQ	-0.7%	3.4% +8.0% YoY	4.1% +4.6% YoY	3.8% +5.1% YoY	Bottom 11.5% in tier
Efficiency Ratio	61.1% +2.0% YoY+5.7% QoQ	-16.4%	77.5% -4.1% YoY	80.6% -3.1% YoY	79.7% -3.3% YoY	Bottom 3.6% in tier
Delinquency Rate	0.6% -21.1% YoY-12.0% QoQ	-0.2	0.8% -1.1% YoY	2.1% -15.0% YoY	1.3% -2.1% YoY	42%
Loan To Share	67.3% -13.7% YoY-3.8% QoQ	-12.6%	79.8% -2.3% YoY	75.9% +1.0% YoY	67.4% -1.7% YoY	16%
AMR	$27,081 +1.6% YoY+0.1% QoQ	+$232	$26,849 +2.7% YoY	$17,588 +4.6% YoY	$19,687 +2.0% YoY	62%
CD Concentration	23.7% -2.0% YoY-1.8% QoQ	-0.7%	24.4%	21.7%	19.8%	47%
Indirect Auto %	23.7% -23.6% YoY-8.0% QoQ	+9.9%	13.8%	5.1%	7.8%	76%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Institutional Decline

decline

#15 of 240 • Bottom 5.9% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $665.84M

(Tier: $334.15M, National: $561.61M)

but better than tier avg

Member Growth (YoY): -3.75%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -10.25%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 282 Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

Stagnation Risk

risk

#99 of 554 • Bottom 17.7% 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): -3.75%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -10.25%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.63%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

652 nationally

→ No prior data (554 CUs now) | New qualifier

Membership Headwinds

decline

#207 of 554 • Bottom 37.2% in tier

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

Why This Signature

Member Growth (YoY): -3.75%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

652 nationally

→ No prior data (554 CUs now) | New qualifier

Indirect Auto Dependency

risk

#308 of 506 • Bottom 60.8% in tier

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

Why This Signature

Asset Growth (YoY): 3.12%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 23.66%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -3.75%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

745 nationally

↓ Shrinking -35 CUs YoY | Rank worsening

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 165 peers in tier

Top Strengths (4 metrics)

Efficiency Ratio

profitability

Value: 61.14%

Peer Median: -

#7 of 165 Top 3.6% in 500M-750M tier

Members Per Employee (MPE)

engagement

Value: 511.414

Peer Median: -

#8 of 165 Top 4.2% in 500M-750M tier

Return on Assets (ROA)

profitability

Value: 1.01%

Peer Median: -

#37 of 165 Top 21.8% in 500M-750M tier

Net Worth Ratio

risk

Value: 12.33%

Peer Median: -

#37 of 165 Top 21.8% in 500M-750M tier

Top Weaknesses (4 metrics)

158

Loan Growth Rate

growth

Value: -10.25%

Peer Median: -

#158 of 165 Bottom 4.8% in 500M-750M tier

146

Net Interest Margin (NIM)

profitability

Value: 2.74%

Peer Median: -

#146 of 165 Bottom 12.1% in 500M-750M tier

146

Member Growth Rate

growth

Value: -3.75%

Peer Median: -

#146 of 165 Bottom 12.1% in 500M-750M tier

138

Loan-to-Share Ratio

balance_sheet

Value: 67.28%

Peer Median: -

#138 of 165 Bottom 17.0% in 500M-750M tier