BlastPoint's Credit Union Scorecard
R T P
Charter #18550 · NC
R T P faces 10 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 5.5% in tier
- - Membership Headwinds: Bottom 8.8% in tier
- - Efficiency Drag: Bottom 13.9% in tier
- - Institutional Decline: Bottom 16.3% in tier
- - Indirect Auto Dependency: Bottom 17.7% in tier
- - Stagnation Risk: Bottom 20.0% in tier
- - ROA 0.55% below tier average
- - Efficiency ratio 6.94% above tier (higher cost structure)
- - Member decline: -4.3% YoY
- - Net Worth Ratio: Bottom 3.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,597
-4.3% YoY-1.3% QoQ
|
-6.0K |
15,628
-3.4% YoY
|
91,841
+6.6% YoY
|
33,089
+6.1% YoY
|
27% |
| Assets |
$142.6M
+2.3% YoY-0.8% QoQ
|
$-88.7M |
$231.3M
-0.0% YoY
|
$1.5B
+5.5% YoY
|
$547.7M
+7.8% YoY
|
28% |
| Loans |
$84.8M
-4.0% YoY+1.6% QoQ
|
$-63.0M |
$147.8M
-1.4% YoY
|
$1.1B
+9.9% YoY
|
$388.7M
+8.6% YoY
|
25% |
| Deposits |
$131.0M
+1.8% YoY-0.9% QoQ
|
$-69.3M |
$200.3M
-0.0% YoY
|
$1.3B
+12.1% YoY
|
$464.6M
+9.3% YoY
|
31% |
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| ROA |
0.2%
-2.3% YoY+24.7% QoQ
|
-0.6% |
0.8%
+15.5% YoY
|
0.4%
-19.0% YoY
|
0.7%
+273.4% YoY
|
15% |
| NIM |
3.4%
+4.9% YoY+2.7% QoQ
|
-0.2% |
3.6%
+6.9% YoY
|
4.1%
+4.0% YoY
|
3.7%
+5.0% YoY
|
39% |
| Efficiency Ratio |
84.2%
-2.1% YoY-1.3% QoQ
|
+6.9% |
77.3%
-3.0% YoY
|
81.5%
-1.2% YoY
|
79.1%
-3.3% YoY
|
75% |
| Delinquency Rate |
0.8%
+166.5% YoY+35.8% QoQ
|
-0.0 |
0.9%
+7.6% YoY
|
1.5%
+2.4% YoY
|
1.2%
-0.9% YoY
|
61% |
| Loan To Share |
64.7%
-5.7% YoY+2.5% QoQ
|
-8.0% |
72.7%
-1.5% YoY
|
76.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
31% |
| AMR |
$22,489
+4.0% YoY+1.4% QoQ
|
$-2K |
$24,363
+2.9% YoY
|
$17,441
+4.0% YoY
|
$19,418
+1.3% YoY
|
50% |
| CD Concentration |
16.6%
-0.2% YoY+2.3% QoQ
|
-7.8% |
24.4%
+4.2% YoY
|
20.6%
+2.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
25.7%
+17.9% YoY+14.2% QoQ
|
+11.7% |
14.0%
-5.7% YoY
|
5.3%
-2.9% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (6)
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.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
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)