BlastPoint's Credit Union Scorecard
DUKE UNIVERSITY
Charter #18616 · NC
DUKE UNIVERSITY has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.19% above tier average
- + Members Per Employee (MPE): Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Accelerating Exit Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Delinquency rate 0.34% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
15,561
-0.5% YoY+0.1% QoQ
|
+415 |
15,145
-2.5% YoY
|
91,843
+3.2% YoY
|
33,913
+5.7% YoY
|
61% |
| Assets |
$204.8M
+3.0% YoY+1.2% QoQ
|
$-26.9M |
$231.7M
+0.8% YoY
|
$1.6B
+7.7% YoY
|
$578.3M
+9.0% YoY
|
52% |
| Loans |
$97.3M
-11.8% YoY-0.1% QoQ
|
$-46.9M |
$144.1M
+0.2% YoY
|
$1.1B
+5.7% YoY
|
$402.4M
+8.7% YoY
|
35% |
| Deposits |
$182.3M
+2.5% YoY+1.3% QoQ
|
$-18.8M |
$201.1M
+0.4% YoY
|
$1.4B
+7.2% YoY
|
$494.3M
+9.1% YoY
|
54% |
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| ROA |
0.9%
-16.0% YoY+29.5% QoQ
|
+0.2% |
0.7%
+5.1% YoY
|
0.4%
+21.7% YoY
|
0.4%
-39.2% YoY
|
65% |
| NIM |
3.6%
-3.7% YoY-4.8% QoQ
|
+0.0% |
3.6%
+4.6% YoY
|
4.0%
+0.2% YoY
|
3.8%
+4.1% YoY
|
51% |
| Efficiency Ratio |
73.0%
-3.2% YoY-4.6% QoQ
|
-5.0% |
78.0%
-1.7% YoY
|
84.1%
+2.7% YoY
|
84.6%
+2.8% YoY
|
31% |
| Delinquency Rate |
1.1%
+33.2% YoY+2.5% QoQ
|
+0.3 |
0.8%
+7.1% YoY
|
1.3%
-24.7% YoY
|
1.2%
+3.4% YoY
|
80% |
| Loan To Share |
53.3%
-13.9% YoY-1.4% QoQ
|
-17.1% |
70.4%
-0.4% YoY
|
74.3%
+0.8% YoY
|
65.6%
-1.4% YoY
|
15% |
| AMR |
$17,967
-2.4% YoY+0.7% QoQ
|
$-7K |
$24,918
+2.7% YoY
|
$17,856
+2.9% YoY
|
$19,920
+1.6% YoY
|
20% |
| CD Concentration |
11.2%
+18.5% YoY-1.1% QoQ
|
-13.1% | 24.3% | 21.2% | 19.8% | 50% |
| Indirect Auto % |
1.9%
-4.0% YoY-7.0% QoQ
|
-11.9% | 13.8% | 4.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (7)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)