BlastPoint's Credit Union Scorecard
CAROLINAS TELCO
Charter #23494 · NC
CAROLINAS TELCO has 2 strengths but faces 8 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Net Worth Ratio: Top 7.2% in tier
- + Share Certificate Concentration (%): Top 7.2% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 20.1% in tier
- - Efficiency Drag: Bottom 38.1% in tier
- - Stagnation Risk: Bottom 79.3% in tier
- - Membership Headwinds: Bottom 79.3% in tier
- - ROA 0.28% below tier average
- - Efficiency ratio 3.32% above tier (higher cost structure)
- - Delinquency rate 0.07% above tier average
- - Member decline: -2.8% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
31,566
-2.8% YoY-0.2% QoQ
|
-6.5K |
38,079
-4.8% YoY
|
91,843
+3.2% YoY
|
33,913
+5.7% YoY
|
28% |
| Assets |
$514.4M
+0.2% YoY+1.4% QoQ
|
$-105.3M |
$619.7M
-0.2% YoY
|
$1.6B
+7.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 7.2% in tier |
| Loans |
$290.7M
-1.6% YoY-2.0% QoQ
|
$-128.6M |
$419.3M
-1.4% YoY
|
$1.1B
+5.7% YoY
|
$402.4M
+8.7% YoY
|
Bottom 9.0% in tier |
| Deposits |
$430.4M
+0.4% YoY+1.3% QoQ
|
$-109.1M |
$539.5M
-0.1% YoY
|
$1.4B
+7.2% YoY
|
$494.3M
+9.1% YoY
|
Bottom 4.8% in tier |
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| ROA |
0.4%
+41.3% YoY+1.1% QoQ
|
-0.3% |
0.7%
+36.0% YoY
|
0.4%
+21.7% YoY
|
0.4%
-39.2% YoY
|
32% |
| NIM |
3.2%
+3.7% YoY-2.0% QoQ
|
-0.3% |
3.5%
+4.5% YoY
|
4.0%
+0.2% YoY
|
3.8%
+4.1% YoY
|
29% |
| Efficiency Ratio |
81.7%
+1.0% YoY+3.6% QoQ
|
+3.3% |
78.4%
-3.7% YoY
|
84.1%
+2.7% YoY
|
84.6%
+2.8% YoY
|
60% |
| Delinquency Rate |
0.8%
-20.0% YoY-18.1% QoQ
|
+0.1 |
0.7%
-0.9% YoY
|
1.3%
-24.7% YoY
|
1.2%
+3.4% YoY
|
61% |
| Loan To Share |
67.5%
-1.9% YoY-3.2% QoQ
|
-10.1% |
77.7%
-1.2% YoY
|
74.3%
+0.8% YoY
|
65.6%
-1.4% YoY
|
20% |
| AMR |
$22,844
+2.5% YoY+0.2% QoQ
|
$-4K |
$26,927
+3.1% YoY
|
$17,856
+2.9% YoY
|
$19,920
+1.6% YoY
|
30% |
| CD Concentration |
15.6%
+31.5% YoY+2.7% QoQ
|
-8.7% | 24.3% | 21.2% | 19.8% | 21% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.9% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (0)
Concerns (4)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)