BlastPoint's Credit Union Scorecard
FORT BRAGG
Charter #13690 · NC
FORT BRAGG has 3 strengths but faces 7 concerns
How does the industry compare?
What's your peer group doing?
How does NC stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.00% above tier average
- + Efficiency Ratio: Top 2.4% in tier
- + Members Per Employee (MPE): Top 4.2% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 12.1% in tier
- - Indirect Auto Dependency: Bottom 47.4% in tier
- - Stagnation Risk: Bottom 90.5% in tier
- - Membership Headwinds: Bottom 90.5% in tier
- - Member decline: -5.0% YoY
- - Loan Growth Rate: Bottom 4.8% in tier
- - Member Growth Rate: Bottom 7.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 3 that size in North Carolina.
- Shares and deposits +3.6% year over year ($598M in shares and deposits).
- Membership: 34,937 members, -5.0% vs a year ago.
- Delinquency rate 0.61%.
- Return on assets 1.82%.
- Efficiency ratio 53.41% vs a 76.56% peer average.
- Loan-to-share ratio 64.51% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
34,937
-5.0% YoY-1.2% QoQ
|
-3.0K |
37,897
-5.0% YoY
|
91,933
+2.2% YoY
|
34,678
+6.6% YoY
|
40% |
| Assets |
$689.6M
+4.5% YoY+1.0% QoQ
|
+$67.2M |
$622.4M
+0.6% YoY
|
$1.6B
+7.2% YoY
|
$593.1M
+10.2% YoY
|
73% |
| Loans |
$385.5M
-8.3% YoY-1.1% QoQ
|
$-43.0M |
$428.5M
-0.7% YoY
|
$1.1B
+5.6% YoY
|
$418.6M
+10.1% YoY
|
30% |
| Deposits |
$597.6M
+3.6% YoY+0.6% QoQ
|
+$57.8M |
$539.8M
+0.9% YoY
|
$1.4B
+7.1% YoY
|
$504.8M
+10.3% YoY
|
77% |
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| ROA |
1.8%
+82.6% YoY+7.8% QoQ
|
+1.0% |
0.8%
+39.5% YoY
|
0.9%
+189.6% YoY
|
1.2%
+121.4% YoY
|
Top 4.8% in tier |
| NIM |
3.0%
+4.4% YoY+2.7% QoQ
|
-0.5% |
3.5%
+5.0% YoY
|
4.0%
+0.2% YoY
|
3.8%
+2.3% YoY
|
18% |
| Efficiency Ratio |
53.4%
-9.1% YoY-3.9% QoQ
|
-23.2% |
76.6%
-3.6% YoY
|
83.1%
+0.7% YoY
|
83.0%
-5.3% YoY
|
Top 2.4% in tier |
| Delinquency Rate |
0.6%
-4.3% YoY+9.5% QoQ
|
-0.2 |
0.8%
+3.1% YoY
|
1.5%
+12.0% YoY
|
1.3%
+2.6% YoY
|
40% |
| Loan To Share |
64.5%
-11.5% YoY-1.7% QoQ
|
-14.8% |
79.3%
-1.4% YoY
|
74.9%
+0.0% YoY
|
66.4%
-1.4% YoY
|
Bottom 14.5% in tier |
| AMR |
$28,138
+3.8% YoY+1.1% QoQ
|
+$844 |
$27,294
+4.1% YoY
|
$17,976
+4.0% YoY
|
$20,028
-0.9% YoY
|
66% |
| CD Concentration |
23.6%
-2.9% YoY+0.5% QoQ
|
-1.0% | 24.6% | 21.4% | 20.0% | 46% |
| Indirect Auto % |
18.7%
-32.3% YoY-11.2% QoQ
|
+5.1% | 13.6% | 4.6% | 7.7% | 70% |
Signature Analysis
Strengths (0)
Concerns (4)
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)