BlastPoint's Credit Union Scorecard
AMERICAN PARTNERS
Charter #22119 · NC
AMERICAN PARTNERS has 4 strengths but faces 8 concerns
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
- + Net Interest Margin 0.54% above tier average
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Deposit Outflow: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Capital Constraint: Bottom 50.0% in tier
- - Efficiency ratio 5.96% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 4.6% in tier
- - Total Deposits: Bottom 4.8% in tier
- - Deposit Growth Rate: Bottom 5.3% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 13 that size in North Carolina.
- Shares and deposits -3.9% year over year ($92.5M in shares and deposits).
- Membership: 11,351 members, +4.3% vs a year ago.
- Delinquency rate 0.30%.
- Return on assets 0.84%.
- Efficiency ratio 82.69% vs a 76.73% peer average.
- Loan-to-share ratio 87.41% vs a 71.54% 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 |
11,351
+4.3% YoY+0.4% QoQ
|
-3.8K |
15,168
-2.6% YoY
|
91,933
+2.2% YoY
|
34,678
+6.6% YoY
|
40% |
| Assets |
$107.7M
-0.8% YoY+1.0% QoQ
|
$-124.3M |
$232.0M
+0.7% YoY
|
$1.6B
+7.2% YoY
|
$593.1M
+10.2% YoY
|
Bottom 5.5% in tier |
| Loans |
$80.9M
+2.6% YoY+2.9% QoQ
|
$-65.4M |
$146.3M
+0.2% YoY
|
$1.1B
+5.6% YoY
|
$418.6M
+10.1% YoY
|
24% |
| Deposits |
$92.5M
-3.9% YoY-0.6% QoQ
|
$-108.2M |
$200.7M
+0.2% YoY
|
$1.4B
+7.1% YoY
|
$504.8M
+10.3% YoY
|
Bottom 4.7% in tier |
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| ROA |
0.8%
+9.5% YoY+1.7% QoQ
|
+0.0% |
0.9%
+12.5% YoY
|
0.9%
+189.6% YoY
|
1.2%
+121.4% YoY
|
56% |
| NIM |
4.2%
+8.1% YoY-0.1% QoQ
|
+0.5% |
3.7%
+4.5% YoY
|
4.0%
+0.2% YoY
|
3.8%
+2.3% YoY
|
81% |
| Efficiency Ratio |
82.7%
-2.6% YoY+3.1% QoQ
|
+6.0% |
76.7%
-0.8% YoY
|
83.1%
+0.7% YoY
|
83.0%
-5.3% YoY
|
68% |
| Delinquency Rate |
0.3%
-15.6% YoY-50.1% QoQ
|
-0.6 |
0.9%
+6.6% YoY
|
1.5%
+12.0% YoY
|
1.3%
+2.6% YoY
|
19% |
| Loan To Share |
87.4%
+6.7% YoY+3.5% QoQ
|
+15.9% |
71.5%
-0.3% YoY
|
74.9%
+0.0% YoY
|
66.4%
-1.4% YoY
|
81% |
| AMR |
$15,273
-5.0% YoY+0.6% QoQ
|
$-10K |
$25,107
+3.2% YoY
|
$17,976
+4.0% YoY
|
$20,028
-0.9% YoY
|
Bottom 10.2% in tier |
| CD Concentration |
22.9%
-15.2% YoY-5.1% QoQ
|
-1.7% | 24.6% | 21.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 4.6% | 7.7% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (4)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.
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)