BlastPoint's Credit Union Scorecard
DUKE UNIVERSITY
Charter #18616 · NC
DUKE UNIVERSITY has 2 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.20% above tier average
- + Members Per Employee (MPE): Top 8.4% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 42.3% in tier
- - Credit Quality Pressure: Bottom 43.5% in tier
- - Institutional Decline: Bottom 55.6% in tier
- - Shrinking Wallet Share: Bottom 57.0% in tier
- - Accelerating Exit Risk: Bottom 83.6% in tier
- - Membership Headwinds: Bottom 95.5% in tier
- - ROA 0.05% below tier average
- - Delinquency rate 0.19% above tier average
- - Loan Growth Rate: Bottom 1.0% in tier
- - AMR Growth Rate: Bottom 9.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
15,547
-0.7% YoY-0.4% QoQ
|
+109 |
15,437
-2.9% YoY
|
91,719
+6.9% YoY
|
33,374
+5.7% YoY
|
60% |
| Assets |
$202.3M
+4.1% YoY+0.6% QoQ
|
$-29.5M |
$231.9M
+1.3% YoY
|
$1.6B
+12.6% YoY
|
$561.6M
+9.7% YoY
|
51% |
| Loans |
$97.4M
-12.7% YoY-2.4% QoQ
|
$-50.0M |
$147.3M
-0.1% YoY
|
$1.1B
+9.8% YoY
|
$397.0M
+8.8% YoY
|
34% |
| Deposits |
$179.9M
+3.4% YoY+0.4% QoQ
|
$-20.9M |
$200.8M
+0.8% YoY
|
$1.4B
+12.2% YoY
|
$477.3M
+9.7% YoY
|
53% |
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| ROA |
0.7%
+20.9% YoY-12.9% QoQ
|
-0.1% |
0.8%
+18.2% YoY
|
0.2%
-40.7% YoY
|
0.7%
+15.9% YoY
|
46% |
| NIM |
3.8%
+8.6% YoY+0.2% QoQ
|
+0.2% |
3.6%
+6.7% YoY
|
4.1%
+4.6% YoY
|
3.8%
+5.1% YoY
|
62% |
| Efficiency Ratio |
76.5%
-0.8% YoY+1.4% QoQ
|
-0.5% |
77.0%
-3.1% YoY
|
80.6%
-3.1% YoY
|
79.7%
-3.3% YoY
|
48% |
| Delinquency Rate |
1.1%
+29.1% YoY-0.2% QoQ
|
+0.2 |
0.9%
+4.2% YoY
|
2.1%
-15.0% YoY
|
1.3%
-2.1% YoY
|
74% |
| Loan To Share |
54.1%
-15.5% YoY-2.8% QoQ
|
-18.1% |
72.2%
-1.1% YoY
|
75.9%
+1.0% YoY
|
67.4%
-1.7% YoY
|
Bottom 14.2% in tier |
| AMR |
$17,837
-2.2% YoY-0.2% QoQ
|
$-7K |
$24,676
+3.4% YoY
|
$17,588
+4.6% YoY
|
$19,687
+2.0% YoY
|
20% |
| CD Concentration |
11.3%
+23.7% YoY-0.8% QoQ
|
-13.1% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % |
2.0%
+4.6% YoY-3.9% QoQ
|
-11.8% | 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.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)