BlastPoint's Credit Union Scorecard

ACCLAIM

Charter #23386 · NC

2596 CUs in <100M nationally 32 in NC

ACCLAIM has 3 strengths but faces 1 concern

National Analysis

How does the industry compare?

NC Analysis

How does NC stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.47% above tier average
+ Net Interest Margin 0.76% above tier average
+ Fee Income Per Member: Top 7.7% in tier

Key Concerns

Areas that may need attention

- Member decline: -5.8% YoY

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Members	5,029 -5.8% YoY-0.7% QoQ	+2.4K	2,625 -2.2% YoY	91,841 +6.6% YoY	33,089 +6.1% YoY	Top 13.8% in tier
Assets	$57.4M -2.5% YoY-1.0% QoQ	+$27.5M	$29.9M +1.1% YoY	$1.5B +5.5% YoY	$547.7M +7.8% YoY	82%
Loans	$39.3M -6.6% YoY-2.5% QoQ	+$23.6M	$15.8M -2.4% YoY	$1.1B +9.9% YoY	$388.7M +8.6% YoY	Top 10.9% in tier
Deposits	$49.7M -4.1% YoY-2.0% QoQ	+$24.2M	$25.5M +0.4% YoY	$1.3B +12.1% YoY	$464.6M +9.3% YoY	82%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.2% -2.1% YoY+32.9% QoQ	+0.5%	0.7% -731.4% YoY	0.4% -19.0% YoY	0.7% +273.4% YoY	69%
NIM	4.7% +7.5% YoY+2.6% QoQ	+0.8%	3.9% +3.8% YoY	4.1% +4.0% YoY	3.7% +5.0% YoY	79%
Efficiency Ratio	70.0% -4.7% YoY-1.1% QoQ	-11.4%	81.4% -2.4% YoY	81.5% -1.2% YoY	79.1% -3.3% YoY	31%
Delinquency Rate	0.7% +37.7% YoY-24.4% QoQ	-0.8	1.5% -2.0% YoY	1.5% +2.4% YoY	1.2% -0.9% YoY	54%
Loan To Share	79.2% -2.6% YoY-0.5% QoQ	+17.9%	61.2% -3.0% YoY	76.3% +1.1% YoY	68.0% -1.7% YoY	76%
AMR	$17,692 +0.5% YoY-1.5% QoQ	+$3K	$14,627 -2.7% YoY	$17,441 +4.0% YoY	$19,418 +1.3% YoY	70%
CD Concentration	23.5% +8.7% YoY+1.1% QoQ	-0.9%	24.4% +4.2% YoY	20.6% +2.2% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0% -62.8% YoY-27.7% QoQ	-14.0%	14.0% -5.7% YoY	5.3% -2.9% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2596 peers in tier

Top Strengths (8 metrics)

200

Fee Income Per Member

profitability

Value: $189.48

Peer Avg: -

#200 of 2596 Top 7.7% in <100M tier

282

Total Loans

balance_sheet

Value: $39.32M

Peer Avg: -

#282 of 2596 Top 10.8% in <100M tier

357

Total Members

engagement

Value: 5,029

Peer Avg: -

#357 of 2596 Top 13.7% in <100M tier

469

Total Deposits

balance_sheet

Value: $49.66M

Peer Avg: -

#469 of 2596 Top 18.0% in <100M tier

476

Total Assets

balance_sheet

Value: $57.37M

Peer Avg: -

#476 of 2596 Top 18.3% in <100M tier

495

Loan-to-Member Ratio (LMR)

engagement

Value: $7,818

Peer Avg: -

#495 of 2596 Top 19.0% in <100M tier

548

Net Interest Margin (NIM)

profitability

Value: 4.69%

Peer Avg: -

#548 of 2596 Top 21.1% in <100M tier

610

Loan-to-Share Ratio

balance_sheet

Value: 79.18%

Peer Avg: -

#610 of 2596 Top 23.5% in <100M tier

Top Weaknesses (5 metrics)

2238

Member Growth Rate

growth

Value: -5.75%

Peer Avg: -

#2238 of 2596 Bottom 13.8% in <100M tier

2179

Net Charge-Off Rate

risk

Value: 0.91%

Peer Avg: -

#2179 of 2596 Bottom 16.1% in <100M tier

2178

Indirect Auto Concentration (%)

balance_sheet

Value: 0.02%

Peer Avg: -

#2178 of 2596 Bottom 16.1% in <100M tier

2055

Deposit Growth Rate

growth

Value: -4.15%

Peer Avg: -

#2055 of 2596 Bottom 20.9% in <100M tier

1965

Asset Growth Rate

growth

Value: -2.48%

Peer Avg: -

#1965 of 2596 Bottom 24.3% in <100M tier