BlastPoint's Credit Union Scorecard

AMERICAN PARTNERS

Charter #22119 · NC

1069 CUs in 100M-500M nationally 13 in NC

AMERICAN PARTNERS has 9 strengths but faces 9 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 Leader: Top 2.6% in tier
+ Organic Growth Engine: Top 4.4% in tier
+ Emerging Performer: Top 24.9% in tier
+ ROA 0.20% above tier average
+ Net Interest Margin 0.66% above tier average
+ Strong member growth: 23.0% YoY
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Member Growth Rate: Top 1.8% in tier
+ Loan Growth Rate: Top 9.0% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 2.2% in tier
- Credit Quality Pressure: Bottom 4.7% in tier
- Shrinking Wallet Share: Bottom 8.7% in tier
- Efficiency Drag: Bottom 99.6% in tier
- Efficiency ratio 4.71% above tier (higher cost structure)
- Delinquency rate 0.49% above tier average
- AMR Growth Rate: Bottom 1.5% in tier
- Total Deposits: Bottom 5.0% in tier
- Total Assets: Bottom 5.2% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Members	11,248 +23.0% YoY-1.5% QoQ	-4.2K	15,437 -2.9% YoY	91,719 +6.9% YoY	33,374 +5.7% YoY	38%
Assets	$107.8M +7.7% YoY+3.8% QoQ	$-124.0M	$231.9M +1.3% YoY	$1.6B +12.6% YoY	$561.6M +9.7% YoY	Bottom 5.1% in tier
Loans	$82.3M +13.8% YoY-1.1% QoQ	$-65.1M	$147.3M -0.1% YoY	$1.1B +9.8% YoY	$397.0M +8.8% YoY	24%
Deposits	$92.4M +7.9% YoY+0.7% QoQ	$-108.4M	$200.8M +0.8% YoY	$1.4B +12.2% YoY	$477.3M +9.7% YoY	Bottom 4.9% 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	1.0% +201.5% YoY+33.4% QoQ	+0.2%	0.8% +18.2% YoY	0.2% -40.7% YoY	0.7% +15.9% YoY	65%
NIM	4.3% +15.2% YoY+2.8% QoQ	+0.7%	3.6% +6.7% YoY	4.1% +4.6% YoY	3.8% +5.1% YoY	84%
Efficiency Ratio	81.7% -6.6% YoY-3.6% QoQ	+4.7%	77.0% -3.1% YoY	80.6% -3.1% YoY	79.7% -3.3% YoY	67%
Delinquency Rate	1.4% +339.4% YoY+80.5% QoQ	+0.5	0.9% +4.2% YoY	2.1% -15.0% YoY	1.3% -2.1% YoY	83%
Loan To Share	89.1% +5.4% YoY-1.8% QoQ	+16.9%	72.2% -1.1% YoY	75.9% +1.0% YoY	67.4% -1.7% YoY	83%
AMR	$15,528 -10.0% YoY+1.3% QoQ	$-9K	$24,676 +3.4% YoY	$17,588 +4.6% YoY	$19,687 +2.0% YoY	Bottom 11.5% in tier
CD Concentration	24.3% -29.4% YoY+2.4% QoQ	-0.1%	24.4%	21.7%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	5.1%	7.8%	50%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#12 of 426 • Top 2.6% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 22.97%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth

#27 of 595 • Top 4.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 22.97%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.96%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Emerging Performer

growth

#46 of 182 • Top 24.9% 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: 0.96%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Member Growth (YoY): 22.97%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

Concerns (4)

Credit Risk Growth

risk

#11 of 456 • Bottom 2.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 13.82%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 1.07% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk

#34 of 705 • Bottom 4.7% in tier

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

Why This Signature

Delinquency Change (YoY): 1.07% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#19 of 208 • Bottom 8.7% in tier

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

Why This Signature

AMR Growth (YoY): -10.03%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY | New qualifier

Efficiency Drag

risk

#536 of 538 • Bottom 99.6% in tier

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

Why This Signature

Efficiency Ratio: 81.73%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.64% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): 22.97%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank worsening

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 1069 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Member Growth Rate

growth

Value: 22.97%

Peer Median: -

#20 of 1069 Top 1.8% in 100M-500M tier

Loan Growth Rate

growth

Value: 13.82%

Peer Median: -

#97 of 1069 Top 9.0% in 100M-500M tier

157

Net Charge-Off Rate

risk

Value: 0.11%

Peer Median: -

#157 of 1069 Top 14.6% in 100M-500M tier

172

Net Interest Margin (NIM)

profitability

Value: 4.26%

Peer Median: -

#172 of 1069 Top 16.0% in 100M-500M tier

177

Loan-to-Share Ratio

balance_sheet

Value: 89.10%

Peer Median: -

#177 of 1069 Top 16.5% in 100M-500M tier

222

Deposit Growth Rate

growth

Value: 7.95%

Peer Median: -

#222 of 1069 Top 20.7% in 100M-500M tier

Top Weaknesses (6 metrics)

1054

AMR Growth Rate

growth

Value: -10.03%

Peer Median: -

#1054 of 1069 Bottom 1.5% in 100M-500M tier

1017

Total Deposits

balance_sheet

Value: $92.36M

Peer Median: -

#1017 of 1069 Bottom 5.0% in 100M-500M tier

1014

Total Assets

balance_sheet

Value: $107.84M

Peer Median: -

#1014 of 1069 Bottom 5.2% in 100M-500M tier

946

Average Member Relationship (AMR)

engagement

Value: $15,528

Peer Median: -

#946 of 1069 Bottom 11.6% in 100M-500M tier

890

Total Delinquency Rate (60+ days)

risk

Value: 1.38%

Peer Median: -

#890 of 1069 Bottom 16.8% in 100M-500M tier

815

Total Loans

balance_sheet

Value: $82.29M

Peer Median: -

#815 of 1069 Bottom 23.9% in 100M-500M tier