BlastPoint's Credit Union Scorecard
CAROLINAS TELCO
Charter #23494 · NC
CAROLINAS TELCO has 5 strengths but faces 6 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 27.9% in tier
- + Organic Growth Engine: Top 28.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 4.7% in tier
- + Net Worth Ratio: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.24% below tier average
- - Efficiency ratio 0.47% above tier (higher cost structure)
- - Delinquency rate 0.22% above tier average
- - Total Deposits: Bottom 1.8% in tier
- - Total Assets: Bottom 3.0% in tier
- - Total Loans: Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
32,455
+1.0% YoY-0.0% QoQ
|
-7.3K |
39,752
-2.7% YoY
|
91,841
+6.6% YoY
|
33,089
+6.1% YoY
|
27% |
| Assets |
$506.6M
-4.3% YoY+0.2% QoQ
|
$-115.8M |
$622.4M
+0.3% YoY
|
$1.5B
+5.5% YoY
|
$547.7M
+7.8% YoY
|
Bottom 2.4% in tier |
| Loans |
$309.4M
+6.7% YoY+1.4% QoQ
|
$-126.5M |
$435.9M
-0.4% YoY
|
$1.1B
+9.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 8.3% in tier |
| Deposits |
$417.7M
-0.2% YoY-0.9% QoQ
|
$-120.3M |
$538.0M
+1.3% YoY
|
$1.3B
+12.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 1.2% in tier |
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| ROA |
0.4%
-186.8% YoY+4.0% QoQ
|
-0.2% |
0.7%
+33.9% YoY
|
0.4%
-19.0% YoY
|
0.7%
+273.4% YoY
|
36% |
| NIM |
3.2%
-0.4% YoY+1.9% QoQ
|
-0.2% |
3.4%
+8.6% YoY
|
4.1%
+4.0% YoY
|
3.7%
+5.0% YoY
|
34% |
| Efficiency Ratio |
78.6%
-12.6% YoY-0.2% QoQ
|
+0.5% |
78.1%
-3.4% YoY
|
81.5%
-1.2% YoY
|
79.1%
-3.3% YoY
|
51% |
| Delinquency Rate |
1.0%
-27.4% YoY+1.4% QoQ
|
+0.2 |
0.8%
-4.9% YoY
|
1.5%
+2.4% YoY
|
1.2%
-0.9% YoY
|
76% |
| Loan To Share |
74.1%
+6.9% YoY+2.3% QoQ
|
-6.9% |
81.0%
-1.8% YoY
|
76.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
27% |
| AMR |
$22,403
+1.6% YoY+0.1% QoQ
|
$-4K |
$26,482
+2.6% YoY
|
$17,441
+4.0% YoY
|
$19,418
+1.3% YoY
|
33% |
| CD Concentration |
14.9%
+25.0% YoY+11.7% QoQ
|
-9.6% |
24.4%
+4.2% YoY
|
20.6%
+2.2% YoY
|
19.6%
+6.2% YoY
|
18% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.3%
-2.9% YoY
|
7.9%
-2.9% YoY
|
Bottom 0.0% in tier |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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)