BlastPoint's Credit Union Scorecard
NORTH CAROLINA PRESS ASSOCIATION
Charter #24140 · NC
NORTH CAROLINA PRESS ASSOCIATION has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.65% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 3.5% in tier
- + Asset Growth Rate: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.91% above tier average
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Net Charge-Off Rate: Bottom 6.1% in tier
- - Loan-to-Share Ratio: Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,310
-1.3% YoY+0.3% QoQ
|
-1.3K |
2,625
-2.2% YoY
|
91,841
+6.6% YoY
|
33,089
+6.1% YoY
|
36% |
| Assets |
$10.7M
+9.3% YoY+3.9% QoQ
|
$-19.1M |
$29.9M
+1.1% YoY
|
$1.5B
+5.5% YoY
|
$547.7M
+7.8% YoY
|
34% |
| Loans |
$2.5M
-3.9% YoY-2.0% QoQ
|
$-13.3M |
$15.8M
-2.4% YoY
|
$1.1B
+9.9% YoY
|
$388.7M
+8.6% YoY
|
21% |
| Deposits |
$8.6M
+8.3% YoY+4.1% QoQ
|
$-16.8M |
$25.5M
+0.4% YoY
|
$1.3B
+12.1% YoY
|
$464.6M
+9.3% YoY
|
33% |
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| ROA |
2.3%
-17.4% YoY-0.0% QoQ
|
+1.7% |
0.7%
-731.4% YoY
|
0.4%
-19.0% YoY
|
0.7%
+273.4% YoY
|
Top 5.2% in tier |
| NIM |
3.5%
-10.7% YoY-1.1% QoQ
|
-0.4% |
3.9%
+3.8% YoY
|
4.1%
+4.0% YoY
|
3.7%
+5.0% YoY
|
34% |
| Efficiency Ratio |
44.0%
+8.9% YoY+1.7% QoQ
|
-37.4% |
81.4%
-2.4% YoY
|
81.5%
-1.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 3.5% in tier |
| Delinquency Rate |
3.4%
+248.1% YoY-9.5% QoQ
|
+1.9 |
1.5%
-2.0% YoY
|
1.5%
+2.4% YoY
|
1.2%
-0.9% YoY
|
Top 10.2% in tier |
| Loan To Share |
29.1%
-11.2% YoY-5.8% QoQ
|
-32.1% |
61.2%
-3.0% YoY
|
76.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
Bottom 9.3% in tier |
| AMR |
$8,505
+6.7% YoY+2.3% QoQ
|
$-6K |
$14,627
-2.7% YoY
|
$17,441
+4.0% YoY
|
$19,418
+1.3% YoY
|
22% |
| CD Concentration |
16.3%
+209.9% YoY+21.3% QoQ
|
-8.1% |
24.4%
+4.2% YoY
|
20.6%
+2.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.3%
-2.9% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
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)