BlastPoint's Credit Union Scorecard
CAROLINA
Charter #19788 · NC
CAROLINA has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.33% above tier average
- + Total Loans: Top 1.1% in tier
- + Total Members: Top 4.0% in tier
- + Total Deposits: Top 4.9% in tier
- + Total Assets: Top 5.6% in tier
- + Loan Growth Rate: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.82% below tier average
- - Indirect Auto Concentration (%): Bottom 9.7% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 31 that size in North Carolina.
- Shares and deposits +1.7% year over year ($75.2M in shares and deposits).
- Membership: 7,476 members, +2.2% vs a year ago.
- Delinquency rate 0.72%.
- Return on assets 0.68%.
- Efficiency ratio 79.66% vs a 88.77% peer average.
- Loan-to-share ratio 84.52% vs a 58.89% 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 |
7,476
+2.2% YoY+0.6% QoQ
|
+4.9K |
2,585
-1.7% YoY
|
91,933
+2.2% YoY
|
34,678
+6.6% YoY
|
Top 4.0% in tier |
| Assets |
$85.1M
+2.1% YoY+0.3% QoQ
|
+$54.9M |
$30.3M
+1.5% YoY
|
$1.6B
+7.2% YoY
|
$593.1M
+10.2% YoY
|
Top 5.7% in tier |
| Loans |
$63.5M
+11.3% YoY+4.9% QoQ
|
+$48.1M |
$15.5M
-1.7% YoY
|
$1.1B
+5.6% YoY
|
$418.6M
+10.1% YoY
|
Top 1.1% in tier |
| Deposits |
$75.2M
+1.7% YoY+0.6% QoQ
|
+$49.4M |
$25.8M
+1.1% YoY
|
$1.4B
+7.1% YoY
|
$504.8M
+10.3% YoY
|
Top 4.9% in tier |
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| ROA |
0.7%
-44.4% YoY-4.2% QoQ
|
-0.8% |
1.5%
+241.5% YoY
|
0.9%
+189.6% YoY
|
1.2%
+121.4% YoY
|
42% |
| NIM |
4.2%
+8.3% YoY+1.8% QoQ
|
+0.3% |
3.9%
+0.9% YoY
|
4.0%
+0.2% YoY
|
3.8%
+2.3% YoY
|
66% |
| Efficiency Ratio |
79.7%
+11.2% YoY-0.5% QoQ
|
-9.1% |
88.8%
-6.9% YoY
|
83.1%
+0.7% YoY
|
83.0%
-5.3% YoY
|
48% |
| Delinquency Rate |
0.7%
+21.0% YoY-3.0% QoQ
|
-0.8 |
1.5%
+2.1% YoY
|
1.5%
+12.0% YoY
|
1.3%
+2.6% YoY
|
50% |
| Loan To Share |
84.5%
+9.4% YoY+4.3% QoQ
|
+25.6% |
58.9%
-3.1% YoY
|
74.9%
+0.0% YoY
|
66.4%
-1.4% YoY
|
Top 14.7% in tier |
| AMR |
$18,557
+3.7% YoY+2.0% QoQ
|
+$4K |
$14,963
-6.8% YoY
|
$17,976
+4.0% YoY
|
$20,028
-0.9% YoY
|
72% |
| CD Concentration |
34.9%
+14.7% YoY+13.7% QoQ
|
+10.4% | 24.6% | 21.4% | 20.0% | 50% |
| Indirect Auto % |
7.9%
+6.9% YoY-9.1% QoQ
|
-5.7% | 13.6% | 4.6% | 7.7% | 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)