BlastPoint's Credit Union Scorecard

AMERICAN PARTNERS

Charter #22119 · NC

100M-500M

1070 CUs in 100M-500M nationally 13 in NC

AMERICAN PARTNERS has 6 strengths but faces 8 concerns

National Analysis

How does the industry compare?

NC Analysis

How does NC stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ ROA 0.10% above tier average
+ Net Interest Margin 0.60% above tier average
+ Net Charge-Off Rate: Top 8.3% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Deposit Outflow: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Efficiency ratio 2.20% above tier (higher cost structure)
- AMR Growth Rate: Bottom 3.8% in tier
- Total Assets: Bottom 4.9% in tier
- Deposit Growth Rate: Bottom 5.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Members	11,303 +4.3% YoY+0.5% QoQ	-3.8K	15,145 -2.5% YoY	91,843 +3.2% YoY	33,913 +5.7% YoY	39%
Assets	$106.6M -1.6% YoY-1.2% QoQ	$-125.1M	$231.7M +0.8% YoY	$1.6B +7.7% YoY	$578.3M +9.0% YoY	Bottom 4.8% in tier
Loans	$78.6M -0.9% YoY-4.5% QoQ	$-65.6M	$144.1M +0.2% YoY	$1.1B +5.7% YoY	$402.4M +8.7% YoY	24%
Deposits	$93.1M -3.8% YoY+0.8% QoQ	$-108.1M	$201.1M +0.4% YoY	$1.4B +7.2% YoY	$494.3M +9.1% YoY	Bottom 5.8% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.8% +11.1% YoY-14.4% QoQ	+0.1%	0.7% +5.1% YoY	0.4% +21.7% YoY	0.4% -39.2% YoY	59%
NIM	4.2% +6.2% YoY-0.7% QoQ	+0.6%	3.6% +4.6% YoY	4.0% +0.2% YoY	3.8% +4.1% YoY	83%
Efficiency Ratio	80.2% -4.1% YoY-1.8% QoQ	+2.2%	78.0% -1.7% YoY	84.1% +2.7% YoY	84.6% +2.8% YoY	56%
Delinquency Rate	0.6% +84.6% YoY-56.9% QoQ	-0.2	0.8% +7.1% YoY	1.3% -24.7% YoY	1.2% +3.4% YoY	48%
Loan To Share	84.4% +3.1% YoY-5.2% QoQ	+14.0%	70.4% -0.4% YoY	74.3% +0.8% YoY	65.6% -1.4% YoY	78%
AMR	$15,187 -6.5% YoY-2.2% QoQ	$-10K	$24,918 +2.7% YoY	$17,856 +2.9% YoY	$19,920 +1.6% YoY	Bottom 9.6% in tier
CD Concentration	24.1% -22.6% YoY-1.0% QoQ	-0.2%	24.3%	21.2%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	4.9%	7.7%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#52 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.31%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.82%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth

#105 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 4.31%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Emerging Performer

growth

#86 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.82%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 4.31%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Concerns (4)

Shrinking Wallet Share

decline

#44 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -6.53%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | Rank improving

Credit Quality Pressure

risk

#253 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.27% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Deposit Outflow

decline

#47 of 72 • Bottom 50.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -3.84%

(Tier: 4.30%, National: 64.06%)

worse than tier avg

Member Growth (YoY): 4.31%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

72 of 1070 Mid-Small & Community CUs have this signature | 98 nationally

→ No prior data (72 CUs now) | New qualifier

Efficiency Drag

risk

#501 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 80.22%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.08% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): 4.31%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.02%

Peer Median: 0.35%

#90 of 1070 Top 8.3% in 100M-500M tier

144

Member Growth Rate

growth

Value: 4.31%

Peer Median: -0.06%

#144 of 1070 Top 13.4% in 100M-500M tier

178

Net Interest Margin (NIM)

profitability

Value: 4.23%

Peer Median: 3.62%

#178 of 1070 Top 16.5% in 100M-500M tier

236

Loan-to-Share Ratio

balance_sheet

Value: 84.44%

Peer Median: 71.88%

#236 of 1070 Top 22.0% in 100M-500M tier

Top Weaknesses (9 metrics)

1030

AMR Growth Rate

growth

Value: -6.53%

Peer Median: 3.46%

#1030 of 1070 Bottom 3.8% in 100M-500M tier

1019

Total Assets

balance_sheet

Value: $106.59M

Peer Median: $196.57M

#1019 of 1070 Bottom 4.9% in 100M-500M tier

1015

Deposit Growth Rate

growth

Value: -3.84%

Peer Median: 3.30%

#1015 of 1070 Bottom 5.2% in 100M-500M tier

1008

Total Deposits

balance_sheet

Value: $93.07M

Peer Median: $171.29M

#1008 of 1070 Bottom 5.9% in 100M-500M tier

967

Average Member Relationship (AMR)

engagement

Value: $15,187

Peer Median: $22,931

#967 of 1070 Bottom 9.7% in 100M-500M tier

963

Asset Growth Rate

growth

Value: -1.64%

Peer Median: 3.91%

#963 of 1070 Bottom 10.1% in 100M-500M tier

837

First Mortgage Concentration (%)

balance_sheet

Value: 43.77%

Peer Median: 29.47%

#837 of 1070 Bottom 21.9% in 100M-500M tier

821

Loan-to-Member Ratio (LMR)

engagement

Value: $6,953

Peer Median: $9,356

#821 of 1070 Bottom 23.4% in 100M-500M tier

816

Total Loans

balance_sheet

Value: $78.59M

Peer Median: $121.41M

#816 of 1070 Bottom 23.8% in 100M-500M tier