BlastPoint's Credit Union Scorecard
DUKE UNIVERSITY
Charter #18616 · NC
DUKE UNIVERSITY has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.20% above tier average
- + Members Per Employee (MPE): Top 8.4% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Delinquency rate 0.83% above tier average
- - Loan Growth Rate: Bottom 3.7% in tier
- - AMR Growth Rate: Bottom 8.9% in tier
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 +0.9% year over year ($180M in shares and deposits).
- Membership: 15,591 members, -0.2% vs a year ago.
- Delinquency rate 1.71%.
- Return on assets 1.06%.
- Efficiency ratio 73.25% vs a 76.73% peer average.
- Loan-to-share ratio 51.60% 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 |
15,591
-0.2% YoY+0.2% QoQ
|
+422 |
15,168
-2.6% YoY
|
91,933
+2.2% YoY
|
34,678
+6.6% YoY
|
61% |
| Assets |
$203.2M
+1.7% YoY-0.8% QoQ
|
$-28.8M |
$232.0M
+0.7% YoY
|
$1.6B
+7.2% YoY
|
$593.1M
+10.2% YoY
|
52% |
| Loans |
$92.9M
-8.6% YoY-4.5% QoQ
|
$-53.3M |
$146.3M
+0.2% YoY
|
$1.1B
+5.6% YoY
|
$418.6M
+10.1% YoY
|
31% |
| Deposits |
$180.1M
+0.9% YoY-1.2% QoQ
|
$-20.6M |
$200.7M
+0.2% YoY
|
$1.4B
+7.1% YoY
|
$504.8M
+10.3% YoY
|
53% |
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| ROA |
1.1%
+18.1% YoY+15.1% QoQ
|
+0.2% |
0.9%
+12.5% YoY
|
0.9%
+189.6% YoY
|
1.2%
+121.4% YoY
|
68% |
| NIM |
3.7%
-1.0% YoY+2.9% QoQ
|
+0.0% |
3.7%
+4.5% YoY
|
4.0%
+0.2% YoY
|
3.8%
+2.3% YoY
|
53% |
| Efficiency Ratio |
73.2%
-4.0% YoY+0.3% QoQ
|
-3.5% |
76.7%
-0.8% YoY
|
83.1%
+0.7% YoY
|
83.0%
-5.3% YoY
|
36% |
| Delinquency Rate |
1.7%
+136.0% YoY+53.7% QoQ
|
+0.8 |
0.9%
+6.6% YoY
|
1.5%
+12.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 10.7% in tier |
| Loan To Share |
51.6%
-9.4% YoY-3.3% QoQ
|
-19.9% |
71.5%
-0.3% YoY
|
74.9%
+0.0% YoY
|
66.4%
-1.4% YoY
|
Bottom 13.3% in tier |
| AMR |
$17,511
-2.3% YoY-2.5% QoQ
|
$-8K |
$25,107
+3.2% YoY
|
$17,976
+4.0% YoY
|
$20,028
-0.9% YoY
|
18% |
| CD Concentration |
11.2%
+9.2% YoY-0.3% QoQ
|
-13.4% | 24.6% | 21.4% | 20.0% | 50% |
| Indirect Auto % |
1.9%
-9.6% YoY+2.0% QoQ
|
-11.7% | 13.6% | 4.6% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)