BlastPoint's Credit Union Scorecard

FORT BRAGG

Charter #13690 · NC

Community 500M-750M

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

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FORT BRAGG has 3 strengths but faces 7 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 1.00% above tier average
+ Efficiency Ratio: Top 3.0% in tier
+ Members Per Employee (MPE): Top 3.6% in tier

Key Concerns

Areas that may need attention

- Institutional Decline: Bottom 11.7% in tier
- Indirect Auto Dependency: Bottom 48.8% in tier
- Stagnation Risk: Bottom 88.2% in tier
- Membership Headwinds: Bottom 88.2% in tier
- Member decline: -4.3% YoY
- Loan Growth Rate: Bottom 4.8% in tier
- Member Growth Rate: Bottom 8.4% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Members	35,348 -4.3% YoY-1.3% QoQ	-2.7K	38,079 -4.8% YoY	91,843 +3.2% YoY	33,913 +5.7% YoY	40%
Assets	$682.8M +4.2% YoY+2.5% QoQ	+$63.1M	$619.7M -0.2% YoY	$1.6B +7.7% YoY	$578.3M +9.0% YoY	75%
Loans	$389.9M -9.9% YoY-0.0% QoQ	$-29.5M	$419.3M -1.4% YoY	$1.1B +5.7% YoY	$402.4M +8.7% YoY	35%
Deposits	$594.2M +3.4% YoY+2.5% QoQ	+$54.7M	$539.5M -0.1% YoY	$1.4B +7.2% YoY	$494.3M +9.1% YoY	77%

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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	1.7% +87.0% YoY+66.4% QoQ	+1.0%	0.7% +36.0% YoY	0.4% +21.7% YoY	0.4% -39.2% YoY	Top 4.2% in tier
NIM	3.0% +5.2% YoY+7.8% QoQ	-0.5%	3.5% +4.5% YoY	4.0% +0.2% YoY	3.8% +4.1% YoY	16%
Efficiency Ratio	55.6% -10.8% YoY-9.1% QoQ	-22.8%	78.4% -3.7% YoY	84.1% +2.7% YoY	84.6% +2.8% YoY	Top 3.0% in tier
Delinquency Rate	0.6% -1.1% YoY-12.4% QoQ	-0.2	0.7% -0.9% YoY	1.3% -24.7% YoY	1.2% +3.4% YoY	46%
Loan To Share	65.6% -12.8% YoY-2.5% QoQ	-12.1%	77.7% -1.2% YoY	74.3% +0.8% YoY	65.6% -1.4% YoY	17%
AMR	$27,840 +2.0% YoY+2.8% QoQ	+$912	$26,927 +3.1% YoY	$17,856 +2.9% YoY	$19,920 +1.6% YoY	65%
CD Concentration	23.4% -4.4% YoY-1.2% QoQ	-0.8%	24.3%	21.2%	19.8%	47%
Indirect Auto %	21.1% -27.6% YoY-10.9% QoQ	+7.3%	13.8%	4.9%	7.7%	73%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Institutional Decline

decline

#9 of 250 • Bottom 11.7% in tier

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

Why This Signature

Total Assets: $682.80M

(Tier: $334.04M, National: $578.34M)

but better than tier avg

Member Growth (YoY): -4.29%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -9.91%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 284 Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Stagnation Risk

risk

#74 of 570 • Bottom 88.2% 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): -4.29%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -9.91%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.55%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#158 of 570 • Bottom 88.2% in tier

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

Why This Signature

Member Growth (YoY): -4.29%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

Indirect Auto Dependency

risk

#280 of 504 • Bottom 48.8% in tier

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

Why This Signature

Asset Growth (YoY): 4.23%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 21.09%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -4.29%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

745 nationally

↓ Shrinking -29 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 167 peers in tier

Top Strengths (6 metrics)

Efficiency Ratio

profitability

Value: 55.57%

Peer Median: 78.61%

#6 of 167 Top 3.0% in 500M-750M tier

Return on Assets (ROA)

profitability

Value: 1.69%

Peer Median: 0.61%

#7 of 167 Top 3.6% in 500M-750M tier

Members Per Employee (MPE)

engagement

Value: 543.815

Peer Median: 318.730

#7 of 167 Top 3.6% in 500M-750M tier

Net Worth Ratio

risk

Value: 12.45%

Peer Median: 10.35%

#37 of 167 Top 21.6% in 500M-750M tier

Total Deposits

balance_sheet

Value: $594.21M

Peer Median: $543.36M

#38 of 167 Top 22.2% in 500M-750M tier

Total Assets

balance_sheet

Value: $682.80M

Peer Median: $619.16M

#41 of 167 Top 24.0% in 500M-750M tier

Top Weaknesses (4 metrics)

160

Loan Growth Rate

growth

Value: -9.91%

Peer Median: 4.25%

#160 of 167 Bottom 4.8% in 500M-750M tier

154

Member Growth Rate

growth

Value: -4.29%

Peer Median: 1.03%

#154 of 167 Bottom 8.4% in 500M-750M tier

141

Net Interest Margin (NIM)

profitability

Value: 2.95%

Peer Median: 3.48%

#141 of 167 Bottom 16.2% in 500M-750M tier

139

Loan-to-Share Ratio

balance_sheet

Value: 65.61%

Peer Median: 79.97%

#139 of 167 Bottom 17.4% in 500M-750M tier