BlastPoint's Credit Union Scorecard

R T P

Charter #18550 · NC

100M-500M

1024 CUs in 100M-500M nationally 13 in NC

R T P faces 8 concerns requiring attention

National Analysis

How does the industry compare?

NC Analysis

How does NC stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- ROA 0.58% below tier average
- Efficiency ratio 9.66% above tier (higher cost structure)

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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 13 that size in North Carolina.
Shares and deposits -1.6% year over year ($130M in shares and deposits).
Membership: 9,216 members, -5.2% vs a year ago.
Delinquency rate 0.85%.
Return on assets 0.29%.
Efficiency ratio 86.40% vs a 76.73% peer average.
Loan-to-share ratio 60.27% vs a 71.54% 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	9,216 -5.2% YoY-1.0% QoQ	-6.0K	15,168 -2.6% YoY	91,933 +2.2% YoY	34,678 +6.6% YoY	27%
Assets	$142.2M -1.1% YoY-1.2% QoQ	$-89.8M	$232.0M +0.7% YoY	$1.6B +7.2% YoY	$593.1M +10.2% YoY	27%
Loans	$78.4M -6.1% YoY-4.5% QoQ	$-67.9M	$146.3M +0.2% YoY	$1.1B +5.6% YoY	$418.6M +10.1% YoY	23%
Deposits	$130.0M -1.6% YoY-1.3% QoQ	$-70.7M	$200.7M +0.2% YoY	$1.4B +7.1% YoY	$504.8M +10.3% YoY	30%

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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	0.3% +52.6% YoY+97.0% QoQ	-0.6%	0.9% +12.5% YoY	0.9% +189.6% YoY	1.2% +121.4% YoY	Bottom 13.6% in tier
NIM	3.5% +4.8% YoY+2.4% QoQ	-0.2%	3.7% +4.5% YoY	4.0% +0.2% YoY	3.8% +2.3% YoY	38%
Efficiency Ratio	86.4% +1.2% YoY-0.9% QoQ	+9.7%	76.7% -0.8% YoY	83.1% +0.7% YoY	83.0% -5.3% YoY	80%
Delinquency Rate	0.9% +43.0% YoY+41.3% QoQ	+0.0	0.9% +6.6% YoY	1.5% +12.0% YoY	1.3% +2.6% YoY	60%
Loan To Share	60.3% -4.6% YoY-3.2% QoQ	-11.3%	71.5% -0.3% YoY	74.9% +0.0% YoY	66.4% -1.4% YoY	26%
AMR	$22,615 +2.0% YoY-1.5% QoQ	$-2K	$25,107 +3.2% YoY	$17,976 +4.0% YoY	$20,028 -0.9% YoY	48%
CD Concentration	16.2% -0.1% YoY-6.0% QoQ	-8.4%	24.6%	21.4%	20.0%	50%
Indirect Auto %	19.8% -11.8% YoY-8.0% QoQ	+6.2%	13.6%	4.6%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Stagnation Risk

risk

#46 of 549 • Bottom 50.0% 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): -5.23%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -6.11%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.85%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Membership Headwinds

decline

#115 of 549 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -5.23%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Institutional Decline

decline

#63 of 230 • Bottom 50.0% in tier

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

Why This Signature

Total Assets: $142.17M

(Tier: $336.17M, National: $593.11M)

worse than tier avg

Member Growth (YoY): -5.23%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -6.11%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY | Rank improving

Credit Quality Pressure

risk

#290 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.26% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | Rank improving

Efficiency Drag

risk

#263 of 531 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 86.40%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.10% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): -5.23%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#427 of 476 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): -1.09%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Indirect Auto %: 19.84%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -5.23%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 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 1024 peers in tier

Top Strengths (1 metrics)

257

Share Certificate Concentration (%)

balance_sheet

Value: 16.20%

Peer Median: 23.39%

#257 of 1024 Top 25.0% in 100M-500M tier

Top Weaknesses (8 metrics)

989

Net Worth Ratio

risk

Value: 8.08%

Peer Median: 11.71%

#989 of 1024 Bottom 3.5% in 100M-500M tier

951

Loan Growth Rate

growth

Value: -6.11%

Peer Median: 3.02%

#951 of 1024 Bottom 7.2% in 100M-500M tier

932

Member Growth Rate

growth

Value: -5.23%

Peer Median: -0.03%

#932 of 1024 Bottom 9.1% in 100M-500M tier

905

Asset Growth Rate

growth

Value: -1.09%

Peer Median: 4.12%

#905 of 1024 Bottom 11.7% in 100M-500M tier

903

Deposit Growth Rate

growth

Value: -1.62%

Peer Median: 3.58%

#903 of 1024 Bottom 11.9% in 100M-500M tier

885

Return on Assets (ROA)

profitability

Value: 0.29%

Peer Median: 0.75%

#885 of 1024 Bottom 13.7% in 100M-500M tier

821

Efficiency Ratio

profitability

Value: 86.40%

Peer Median: 77.26%

#821 of 1024 Bottom 19.9% in 100M-500M tier

793

Total Loans

balance_sheet

Value: $78.38M

Peer Median: $124.04M

#793 of 1024 Bottom 22.7% in 100M-500M tier