BlastPoint's Credit Union Scorecard
CAROLINA
Charter #19788 · NC
CAROLINA has 8 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.28% above tier average
- + Net Interest Margin 0.14% above tier average
- + Total Loans: Top 1.9% in tier
- + Total Members: Top 4.7% in tier
- + Total Deposits: Top 5.5% in tier
- + Loan Growth Rate: Top 6.1% in tier
- + Total Assets: Top 6.3% in tier
- + AMR Growth Rate: Top 7.6% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Concentration (%): Bottom 9.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,386
-1.5% YoY-0.1% QoQ
|
+4.8K |
2,615
-1.9% YoY
|
91,719
+6.9% YoY
|
33,374
+5.7% YoY
|
Top 4.7% in tier |
| Assets |
$83.8M
+6.8% YoY+2.3% QoQ
|
+$53.6M |
$30.1M
+2.1% YoY
|
$1.6B
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Top 6.3% in tier |
| Loans |
$60.4M
+14.7% YoY+4.8% QoQ
|
+$44.6M |
$15.8M
-1.3% YoY
|
$1.1B
+9.8% YoY
|
$397.0M
+8.8% YoY
|
Top 2.0% in tier |
| Deposits |
$74.0M
+6.3% YoY+2.5% QoQ
|
+$48.3M |
$25.7M
+1.4% YoY
|
$1.4B
+12.2% YoY
|
$477.3M
+9.7% YoY
|
Top 5.5% in tier |
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| ROA |
0.9%
+1.6% YoY-12.2% QoQ
|
+0.3% |
0.6%
+10.8% YoY
|
0.2%
-40.7% YoY
|
0.7%
+15.9% YoY
|
61% |
| NIM |
4.1%
+4.8% YoY+0.7% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
4.1%
+4.6% YoY
|
3.8%
+5.1% YoY
|
58% |
| Efficiency Ratio |
76.9%
-0.7% YoY+3.3% QoQ
|
-5.7% |
82.6%
-2.3% YoY
|
80.6%
-3.1% YoY
|
79.7%
-3.3% YoY
|
43% |
| Delinquency Rate |
0.7%
+25.3% YoY+6.2% QoQ
|
-0.8 |
1.6%
-3.1% YoY
|
2.1%
-15.0% YoY
|
1.3%
-2.1% YoY
|
51% |
| Loan To Share |
81.6%
+7.9% YoY+2.3% QoQ
|
+21.0% |
60.6%
-3.1% YoY
|
75.9%
+1.0% YoY
|
67.4%
-1.7% YoY
|
80% |
| AMR |
$18,187
+11.6% YoY+3.6% QoQ
|
+$3K |
$14,783
-1.4% YoY
|
$17,588
+4.6% YoY
|
$19,687
+2.0% YoY
|
71% |
| CD Concentration |
34.3%
+9.3% YoY-4.2% QoQ
|
+9.9% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % |
8.6%
+10.4% YoY+1.5% QoQ
|
-5.2% | 13.8% | 5.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)