BlastPoint's Credit Union Scorecard
NORTH CAROLINA PRESS ASSOCIATION
Charter #24140 · NC
NORTH CAROLINA PRESS ASSOCIATION has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.67% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 2.5% in tier
- + Asset Growth Rate: Top 3.4% in tier
- + Deposit Growth Rate: Top 3.6% in tier
- + AMR Growth Rate: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.24% above tier average
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Loan-to-Share Ratio: Bottom 8.5% in tier
- - Net Charge-Off Rate: Bottom 9.1% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,301
-0.5% YoY-0.7% QoQ
|
-1.3K |
2,615
-1.9% YoY
|
91,719
+6.9% YoY
|
33,374
+5.7% YoY
|
36% |
| Assets |
$11.1M
+14.7% YoY+2.9% QoQ
|
$-19.1M |
$30.1M
+2.1% YoY
|
$1.6B
+12.6% YoY
|
$561.6M
+9.7% YoY
|
34% |
| Loans |
$2.5M
-2.9% YoY-0.9% QoQ
|
$-13.3M |
$15.8M
-1.3% YoY
|
$1.1B
+9.8% YoY
|
$397.0M
+8.8% YoY
|
21% |
| Deposits |
$8.9M
+15.3% YoY+3.0% QoQ
|
$-16.8M |
$25.7M
+1.4% YoY
|
$1.4B
+12.2% YoY
|
$477.3M
+9.7% YoY
|
34% |
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| ROA |
2.3%
-16.0% YoY-2.1% QoQ
|
+1.7% |
0.6%
+10.8% YoY
|
0.2%
-40.7% YoY
|
0.7%
+15.9% YoY
|
Top 4.1% in tier |
| NIM |
3.4%
-14.2% YoY-3.0% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
4.1%
+4.6% YoY
|
3.8%
+5.1% YoY
|
30% |
| Efficiency Ratio |
44.2%
+9.1% YoY+0.4% QoQ
|
-38.4% |
82.6%
-2.3% YoY
|
80.6%
-3.1% YoY
|
79.7%
-3.3% YoY
|
Bottom 2.5% in tier |
| Delinquency Rate |
3.8%
+98.3% YoY+11.0% QoQ
|
+2.2 |
1.6%
-3.1% YoY
|
2.1%
-15.0% YoY
|
1.3%
-2.1% YoY
|
Top 9.4% in tier |
| Loan To Share |
28.0%
-15.8% YoY-3.7% QoQ
|
-32.6% |
60.6%
-3.1% YoY
|
75.9%
+1.0% YoY
|
67.4%
-1.7% YoY
|
Bottom 8.4% in tier |
| AMR |
$8,743
+11.4% YoY+2.8% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$17,588
+4.6% YoY
|
$19,687
+2.0% YoY
|
22% |
| CD Concentration |
16.0%
+157.2% YoY-1.9% QoQ
|
-8.4% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.1% | 7.8% | 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)