BlastPoint's Credit Union Scorecard
CAROLINAS TELCO
Charter #23494 · NC
CAROLINAS TELCO has 3 strengths but faces 10 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 6.1% in tier
- + Net Worth Ratio: Top 6.7% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 60.6% in tier
- - Stagnation Risk: Bottom 64.6% in tier
- - ROA 0.25% below tier average
- - Efficiency ratio 1.38% above tier (higher cost structure)
- - Delinquency rate 0.11% above tier average
- - Member decline: -2.1% YoY
- - Total Deposits: Bottom 1.8% in tier
- - Total Assets: Bottom 4.2% in tier
- - Total Loans: Bottom 8.5% in tier
- - Asset Growth Rate: Bottom 9.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
31,631
-2.1% YoY-2.5% QoQ
|
-6.9K |
38,575
-4.8% YoY
|
91,719
+6.9% YoY
|
33,374
+5.7% YoY
|
26% |
| Assets |
$507.2M
-2.7% YoY+0.1% QoQ
|
$-114.6M |
$621.7M
+0.1% YoY
|
$1.6B
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Bottom 3.6% in tier |
| Loans |
$296.5M
+3.6% YoY-4.2% QoQ
|
$-133.3M |
$429.8M
-1.8% YoY
|
$1.1B
+9.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 7.9% in tier |
| Deposits |
$424.9M
+1.1% YoY+1.7% QoQ
|
$-113.9M |
$538.7M
+0.6% YoY
|
$1.4B
+12.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 1.2% in tier |
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| ROA |
0.4%
-152.7% YoY-4.0% QoQ
|
-0.3% |
0.7%
+42.9% YoY
|
0.2%
-40.7% YoY
|
0.7%
+15.9% YoY
|
33% |
| NIM |
3.3%
-1.0% YoY+0.2% QoQ
|
-0.2% |
3.4%
+8.0% YoY
|
4.1%
+4.6% YoY
|
3.8%
+5.1% YoY
|
33% |
| Efficiency Ratio |
78.9%
-14.5% YoY+0.4% QoQ
|
+1.4% |
77.5%
-4.1% YoY
|
80.6%
-3.1% YoY
|
79.7%
-3.3% YoY
|
55% |
| Delinquency Rate |
0.9%
-36.9% YoY-6.6% QoQ
|
+0.1 |
0.8%
-1.1% YoY
|
2.1%
-15.0% YoY
|
1.3%
-2.1% YoY
|
70% |
| Loan To Share |
69.8%
+2.5% YoY-5.8% QoQ
|
-10.0% |
79.8%
-2.3% YoY
|
75.9%
+1.0% YoY
|
67.4%
-1.7% YoY
|
21% |
| AMR |
$22,806
+4.3% YoY+1.8% QoQ
|
$-4K |
$26,849
+2.7% YoY
|
$17,588
+4.6% YoY
|
$19,687
+2.0% YoY
|
31% |
| CD Concentration |
15.2%
+26.3% YoY+2.3% QoQ
|
-9.2% | 24.4% | 21.7% | 19.8% | 20% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.1% | 7.8% | Bottom 0.0% in tier |
Signature Analysis
Strengths (0)
Concerns (2)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)