BlastPoint's Credit Union Scorecard
CAROLINAS TELCO
Charter #23494 · NC
CAROLINAS TELCO has 2 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does NC stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Worth Ratio: Top 6.7% in tier
- + Share Certificate Concentration (%): Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 21.0% in tier
- - Stagnation Risk: Bottom 80.1% in tier
- - Membership Headwinds: Bottom 80.1% in tier
- - ROA 0.30% below tier average
- - Efficiency ratio 2.76% above tier (higher cost structure)
- - Delinquency rate 0.10% above tier average
- - Member decline: -2.7% YoY
- - Total Assets: Bottom 3.6% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 3 that size in North Carolina.
- Shares and deposits +0.9% year over year ($425M in shares and deposits).
- Membership: 31,584 members, -2.7% vs a year ago.
- Delinquency rate 0.91%.
- Return on assets 0.52%.
- Efficiency ratio 79.32% vs a 76.56% peer average.
- Loan-to-share ratio 69.51% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
31,584
-2.7% YoY+0.1% QoQ
|
-6.3K |
37,897
-5.0% YoY
|
91,933
+2.2% YoY
|
34,678
+6.6% YoY
|
27% |
| Assets |
$506.3M
+0.2% YoY-1.6% QoQ
|
$-116.1M |
$622.4M
+0.6% YoY
|
$1.6B
+7.2% YoY
|
$593.1M
+10.2% YoY
|
Bottom 3.0% in tier |
| Loans |
$295.6M
-3.2% YoY+1.7% QoQ
|
$-132.9M |
$428.5M
-0.7% YoY
|
$1.1B
+5.6% YoY
|
$418.6M
+10.1% YoY
|
Bottom 8.5% in tier |
| Deposits |
$425.2M
+0.9% YoY-1.2% QoQ
|
$-114.5M |
$539.8M
+0.9% YoY
|
$1.4B
+7.1% YoY
|
$504.8M
+10.3% YoY
|
Bottom 4.2% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.5%
+28.2% YoY+26.9% QoQ
|
-0.3% |
0.8%
+39.5% YoY
|
0.9%
+189.6% YoY
|
1.2%
+121.4% YoY
|
32% |
| NIM |
3.4%
+5.8% YoY+5.8% QoQ
|
-0.2% |
3.5%
+5.0% YoY
|
4.0%
+0.2% YoY
|
3.8%
+2.3% YoY
|
38% |
| Efficiency Ratio |
79.3%
+0.8% YoY-2.9% QoQ
|
+2.8% |
76.6%
-3.6% YoY
|
83.1%
+0.7% YoY
|
83.0%
-5.3% YoY
|
63% |
| Delinquency Rate |
0.9%
-9.4% YoY+16.9% QoQ
|
+0.1 |
0.8%
+3.1% YoY
|
1.5%
+12.0% YoY
|
1.3%
+2.6% YoY
|
64% |
| Loan To Share |
69.5%
-4.0% YoY+2.9% QoQ
|
-9.8% |
79.3%
-1.4% YoY
|
74.9%
+0.0% YoY
|
66.4%
-1.4% YoY
|
21% |
| AMR |
$22,821
+2.0% YoY-0.1% QoQ
|
$-4K |
$27,294
+4.1% YoY
|
$17,976
+4.0% YoY
|
$20,028
-0.9% YoY
|
30% |
| CD Concentration |
16.2%
+21.7% YoY+3.7% QoQ
|
-8.4% | 24.6% | 21.4% | 20.0% | 21% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 4.6% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (0)
Concerns (3)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)