BlastPoint's Credit Union Scorecard

AMERICAN PARTNERS

Charter #22119 · NC

1077 CUs in 100M-500M nationally 12 in NC

AMERICAN PARTNERS has 7 strengths but faces 10 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 0.7% in tier
+ Organic Growth Engine: Top 3.3% in tier
+ Emerging Performer: Top 36.8% in tier
+ Net Interest Margin 0.56% above tier average
+ Strong member growth: 25.2% YoY
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Member Growth Rate: Top 1.8% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 1.7% in tier
- Credit Risk Growth: Bottom 12.9% in tier
- Liquidity Strain: Bottom 21.8% in tier
- Credit Quality Pressure: Bottom 23.2% in tier
- Efficiency Drag: Bottom 25.6% in tier
- ROA 0.07% below tier average
- Efficiency ratio 7.50% above tier (higher cost structure)
- AMR Growth Rate: Bottom 1.5% in tier
- Total Assets: Bottom 2.4% in tier
- Total Deposits: Bottom 4.2% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Members	11,415 +25.2% YoY+4.9% QoQ	-4.2K	15,628 -3.4% YoY	91,841 +6.6% YoY	33,089 +6.1% YoY	38%
Assets	$103.9M +5.3% YoY-4.3% QoQ	$-127.4M	$231.3M -0.0% YoY	$1.5B +5.5% YoY	$547.7M +7.8% YoY	Bottom 2.3% in tier
Loans	$83.2M +11.9% YoY+5.6% QoQ	$-64.6M	$147.8M -1.4% YoY	$1.1B +9.9% YoY	$388.7M +8.6% YoY	24%
Deposits	$91.7M +8.9% YoY-4.7% QoQ	$-108.6M	$200.3M -0.0% YoY	$1.3B +12.1% YoY	$464.6M +9.3% YoY	Bottom 4.1% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

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	0.7% +50.4% YoY-5.7% QoQ	-0.1%	0.8% +15.5% YoY	0.4% -19.0% YoY	0.7% +273.4% YoY	47%
NIM	4.1% +11.5% YoY+6.0% QoQ	+0.6%	3.6% +6.9% YoY	4.1% +4.0% YoY	3.7% +5.0% YoY	81%
Efficiency Ratio	84.8% +0.7% YoY-0.2% QoQ	+7.5%	77.3% -3.0% YoY	81.5% -1.2% YoY	79.1% -3.3% YoY	76%
Delinquency Rate	0.8% +7.9% YoY+117.7% QoQ	-0.1	0.9% +7.6% YoY	1.5% +2.4% YoY	1.2% -0.9% YoY	57%
Loan To Share	90.7% +2.7% YoY+10.8% QoQ	+18.0%	72.7% -1.5% YoY	76.3% +1.1% YoY	68.0% -1.7% YoY	Top 14.4% in tier
AMR	$15,321 -11.9% YoY-4.7% QoQ	$-9K	$24,363 +2.9% YoY	$17,441 +4.0% YoY	$19,418 +1.3% YoY	Bottom 10.9% in tier
CD Concentration	23.7% -29.7% YoY-11.9% QoQ	-0.7%	24.4% +4.2% YoY	20.6% +2.2% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	5.3% -2.9% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#10 of 430 • Top 0.7% in tier

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

Why This Signature

Member Growth (YoY): 25.19%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | New qualifier

Organic Growth Engine

growth

#61 of 603 • Top 3.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 25.19%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.72%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Emerging Performer

growth

#71 of 191 • Top 36.8% 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: 0.72%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Member Growth (YoY): 25.19%

(Tier: 0.88%, National: 9.37%)

better than tier avg

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | New qualifier

Concerns (5)

Shrinking Wallet Share

decline

#18 of 244 • Bottom 1.7% in tier

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

Why This Signature

AMR Growth (YoY): -11.88%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

244 of 1077 Community CUs have this signature | 346 nationally

↓ Shrinking -221 CUs YoY | New qualifier

Credit Risk Growth

risk

#194 of 446 • Bottom 12.9% in tier

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

Why This Signature

Loan Growth (YoY): 11.90%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.06% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | New qualifier

Liquidity Strain

risk

#170 of 258 • Bottom 21.8% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 90.71%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 11.90%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | New qualifier

Credit Quality Pressure

risk

#576 of 736 • Bottom 23.2% in tier

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

Why This Signature

Delinquency Change (YoY): 0.06% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Efficiency Drag

risk

#452 of 521 • Bottom 25.6% in tier

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

Why This Signature

Efficiency Ratio: 84.78%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.24% points

(Tier: 0.11% points, National: 0.05% points)

but better than tier avg

Member Growth (YoY): 25.19%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | New qualifier

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 1077 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Member Growth Rate

growth

Value: 25.19%

Peer Avg: -

#20 of 1077 Top 1.8% in 100M-500M tier

115

Loan Growth Rate

growth

Value: 11.90%

Peer Avg: -

#115 of 1077 Top 10.6% in 100M-500M tier

155

Loan-to-Share Ratio

balance_sheet

Value: 90.71%

Peer Avg: -

#155 of 1077 Top 14.3% in 100M-500M tier

170

Deposit Growth Rate

growth

Value: 8.92%

Peer Avg: -

#170 of 1077 Top 15.7% in 100M-500M tier

193

Net Charge-Off Rate

risk

Value: 0.12%

Peer Avg: -

#193 of 1077 Top 17.8% in 100M-500M tier

209

Net Interest Margin (NIM)

profitability

Value: 4.14%

Peer Avg: -

#209 of 1077 Top 19.3% in 100M-500M tier

Top Weaknesses (6 metrics)

1062

AMR Growth Rate

growth

Value: -11.88%

Peer Avg: -

#1062 of 1077 Bottom 1.5% in 100M-500M tier

1052

Total Assets

balance_sheet

Value: $103.94M

Peer Avg: -

#1052 of 1077 Bottom 2.4% in 100M-500M tier

1033

Total Deposits

balance_sheet

Value: $91.70M

Peer Avg: -

#1033 of 1077 Bottom 4.2% in 100M-500M tier

960

Average Member Relationship (AMR)

engagement

Value: $15,321

Peer Avg: -

#960 of 1077 Bottom 11.0% in 100M-500M tier

822

Total Loans

balance_sheet

Value: $83.19M

Peer Avg: -

#822 of 1077 Bottom 23.8% in 100M-500M tier

818

Efficiency Ratio

profitability

Value: 84.78%

Peer Avg: -

#818 of 1077 Bottom 24.1% in 100M-500M tier