BlastPoint's Credit Union Scorecard
ACCLAIM
Charter #23386 · NC
ACCLAIM has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.41% above tier average
- + Net Interest Margin 0.73% above tier average
- + Fee Income Per Member: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Member decline: -4.8% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,016
-4.8% YoY-0.3% QoQ
|
+2.4K |
2,615
-1.9% YoY
|
91,719
+6.9% YoY
|
33,374
+5.7% YoY
|
Top 13.7% in tier |
| Assets |
$58.0M
+0.4% YoY+1.2% QoQ
|
+$27.9M |
$30.1M
+2.1% YoY
|
$1.6B
+12.6% YoY
|
$561.6M
+9.7% YoY
|
82% |
| Loans |
$38.5M
-8.0% YoY-2.2% QoQ
|
+$22.7M |
$15.8M
-1.3% YoY
|
$1.1B
+9.8% YoY
|
$397.0M
+8.8% YoY
|
Top 11.6% in tier |
| Deposits |
$50.0M
-1.2% YoY+0.8% QoQ
|
+$24.4M |
$25.7M
+1.4% YoY
|
$1.4B
+12.2% YoY
|
$477.3M
+9.7% YoY
|
82% |
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| ROA |
1.0%
-13.3% YoY-10.4% QoQ
|
+0.4% |
0.6%
+10.8% YoY
|
0.2%
-40.7% YoY
|
0.7%
+15.9% YoY
|
67% |
| NIM |
4.7%
+5.8% YoY-0.2% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
4.1%
+4.6% YoY
|
3.8%
+5.1% YoY
|
79% |
| Efficiency Ratio |
70.3%
-2.6% YoY+0.5% QoQ
|
-12.2% |
82.6%
-2.3% YoY
|
80.6%
-3.1% YoY
|
79.7%
-3.3% YoY
|
28% |
| Delinquency Rate |
0.4%
-37.8% YoY-44.7% QoQ
|
-1.1 |
1.6%
-3.1% YoY
|
2.1%
-15.0% YoY
|
1.3%
-2.1% YoY
|
37% |
| Loan To Share |
76.9%
-6.8% YoY-2.9% QoQ
|
+16.3% |
60.6%
-3.1% YoY
|
75.9%
+1.0% YoY
|
67.4%
-1.7% YoY
|
74% |
| AMR |
$17,647
+0.6% YoY-0.3% QoQ
|
+$3K |
$14,783
-1.4% YoY
|
$17,588
+4.6% YoY
|
$19,687
+2.0% YoY
|
69% |
| CD Concentration |
23.6%
+4.6% YoY+0.2% QoQ
|
-0.8% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % |
0.0%
-71.0% YoY-35.1% QoQ
|
-13.8% | 13.8% | 5.1% | 7.8% | 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)