BlastPoint's Credit Union Scorecard
FORT BRAGG
Charter #13690 · NC
FORT BRAGG has 5 strengths but faces 8 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 23.1% in tier
- + ROA 0.42% above tier average
- + Efficiency Ratio: Top 2.4% in tier
- + Members Per Employee (MPE): Top 3.6% in tier
- + AMR Growth Rate: Top 7.1% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 0.7% in tier
- - Institutional Decline: Bottom 0.9% in tier
- - Membership Headwinds: Bottom 3.9% in tier
- - Indirect Auto Dependency: Bottom 4.7% in tier
- - Margin Compression: Bottom 22.9% in tier
- - Member decline: -7.5% YoY
- - Member Growth Rate: Bottom 3.0% in tier
- - Loan 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 |
36,381
-7.5% YoY-1.1% QoQ
|
-3.4K |
39,752
-2.7% YoY
|
91,841
+6.6% YoY
|
33,089
+6.1% YoY
|
44% |
| Assets |
$663.9M
+7.0% YoY+0.6% QoQ
|
+$41.5M |
$622.4M
+0.3% YoY
|
$1.5B
+5.5% YoY
|
$547.7M
+7.8% YoY
|
68% |
| Loans |
$405.0M
-6.1% YoY-3.7% QoQ
|
$-30.9M |
$435.9M
-0.4% YoY
|
$1.1B
+9.9% YoY
|
$388.7M
+8.6% YoY
|
37% |
| Deposits |
$578.9M
+8.9% YoY+0.4% QoQ
|
+$40.8M |
$538.0M
+1.3% YoY
|
$1.3B
+12.1% YoY
|
$464.6M
+9.3% YoY
|
73% |
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| ROA |
1.1%
-10.9% YoY+8.1% QoQ
|
+0.4% |
0.7%
+33.9% YoY
|
0.4%
-19.0% YoY
|
0.7%
+273.4% YoY
|
82% |
| NIM |
2.9%
+1.6% YoY+0.9% QoQ
|
-0.5% |
3.4%
+8.6% YoY
|
4.1%
+4.0% YoY
|
3.7%
+5.0% YoY
|
18% |
| Efficiency Ratio |
57.9%
+2.0% YoY-1.5% QoQ
|
-20.2% |
78.1%
-3.4% YoY
|
81.5%
-1.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 2.4% in tier |
| Delinquency Rate |
0.7%
-4.3% YoY+13.4% QoQ
|
-0.1 |
0.8%
-4.9% YoY
|
1.5%
+2.4% YoY
|
1.2%
-0.9% YoY
|
53% |
| Loan To Share |
70.0%
-13.8% YoY-4.0% QoQ
|
-11.1% |
81.0%
-1.8% YoY
|
76.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
20% |
| AMR |
$27,043
+10.5% YoY-0.2% QoQ
|
+$561 |
$26,482
+2.6% YoY
|
$17,441
+4.0% YoY
|
$19,418
+1.3% YoY
|
63% |
| CD Concentration |
24.1%
+11.3% YoY-0.5% QoQ
|
-0.3% |
24.4%
+4.2% YoY
|
20.6%
+2.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
25.7%
-23.7% YoY-6.9% QoQ
|
+11.7% |
14.0%
-5.7% YoY
|
5.3%
-2.9% YoY
|
7.9%
-2.9% YoY
|
78% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)