BlastPoint's Credit Union Scorecard
R T P
Charter #18550 · NC
R T P faces 11 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 11.6% in tier
- - Credit Quality Pressure: Bottom 15.3% in tier
- - Membership Headwinds: Bottom 24.6% in tier
- - Institutional Decline: Bottom 38.1% in tier
- - Efficiency Drag: Bottom 64.6% in tier
- - Indirect Auto Dependency: Bottom 73.3% in tier
- - ROA 0.51% below tier average
- - Efficiency ratio 6.19% above tier (higher cost structure)
- - Delinquency rate 0.05% above tier average
- - Member decline: -4.8% YoY
- - Net Worth Ratio: Bottom 3.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,439
-4.8% YoY-1.6% QoQ
|
-6.0K |
15,437
-2.9% YoY
|
91,719
+6.9% YoY
|
33,374
+5.7% YoY
|
27% |
| Assets |
$141.9M
+0.8% YoY-0.5% QoQ
|
$-89.9M |
$231.9M
+1.3% YoY
|
$1.6B
+12.6% YoY
|
$561.6M
+9.7% YoY
|
27% |
| Loans |
$80.8M
-4.9% YoY-4.7% QoQ
|
$-66.5M |
$147.3M
-0.1% YoY
|
$1.1B
+9.8% YoY
|
$397.0M
+8.8% YoY
|
23% |
| Deposits |
$129.9M
-0.4% YoY-0.8% QoQ
|
$-70.9M |
$200.8M
+0.8% YoY
|
$1.4B
+12.2% YoY
|
$477.3M
+9.7% YoY
|
31% |
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| ROA |
0.2%
-24.6% YoY+6.0% QoQ
|
-0.5% |
0.8%
+18.2% YoY
|
0.2%
-40.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 14.7% in tier |
| NIM |
3.5%
+6.3% YoY+2.0% QoQ
|
-0.1% |
3.6%
+6.7% YoY
|
4.1%
+4.6% YoY
|
3.8%
+5.1% YoY
|
42% |
| Efficiency Ratio |
83.2%
-1.2% YoY-1.2% QoQ
|
+6.2% |
77.0%
-3.1% YoY
|
80.6%
-3.1% YoY
|
79.7%
-3.3% YoY
|
72% |
| Delinquency Rate |
0.9%
+137.8% YoY+16.1% QoQ
|
+0.0 |
0.9%
+4.2% YoY
|
2.1%
-15.0% YoY
|
1.3%
-2.1% YoY
|
66% |
| Loan To Share |
62.2%
-4.6% YoY-3.9% QoQ
|
-10.0% |
72.2%
-1.1% YoY
|
75.9%
+1.0% YoY
|
67.4%
-1.7% YoY
|
28% |
| AMR |
$22,326
+2.8% YoY-0.7% QoQ
|
$-2K |
$24,676
+3.4% YoY
|
$17,588
+4.6% YoY
|
$19,687
+2.0% YoY
|
48% |
| CD Concentration |
17.5%
+3.6% YoY+5.5% QoQ
|
-6.9% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % |
24.3%
+17.5% YoY-5.5% QoQ
|
+10.5% | 13.8% | 5.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (6)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)