BlastPoint's Credit Union Scorecard
ALLEGACY
Charter #24438 · NC
ALLEGACY has 4 strengths but faces 3 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
- + ROA 0.28% above tier average
- + Total Members: Top 2.7% in tier
- + Fee Income Per Member: Top 6.3% in tier
- + Total Loans: Top 6.3% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 31.7% in tier
- - Indirect Auto Dependency: Bottom 35.8% in tier
- - Efficiency ratio 6.13% above tier (higher cost structure)
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 300 credit unions with $1B-$3B in assets nationally, and 1 of 6 that size in North Carolina.
- Shares and deposits +6.7% year over year ($2.21B in shares and deposits).
- Membership: 187,784 members, +4.4% vs a year ago.
- Delinquency rate 0.65%.
- Return on assets 1.10%.
- Efficiency ratio 79.15% vs a 73.02% peer average.
- Loan-to-share ratio 93.59% vs a 84.71% 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 |
187,784
+4.4% YoY+1.5% QoQ
|
+90.9K |
96,861
-1.9% YoY
|
91,933
+2.2% YoY
|
34,678
+6.6% YoY
|
Top 3.0% in tier |
| Assets |
$2.6B
+6.9% YoY+0.9% QoQ
|
+$866.9M |
$1.7B
+0.4% YoY
|
$1.6B
+7.2% YoY
|
$593.1M
+10.2% YoY
|
Top 12.3% in tier |
| Loans |
$2.1B
+6.9% YoY+2.9% QoQ
|
+$832.5M |
$1.2B
+0.7% YoY
|
$1.1B
+5.6% YoY
|
$418.6M
+10.1% YoY
|
Top 6.7% in tier |
| Deposits |
$2.2B
+6.7% YoY+0.7% QoQ
|
+$745.0M |
$1.5B
+0.5% YoY
|
$1.4B
+7.1% YoY
|
$504.8M
+10.3% YoY
|
Top 12.3% in tier |
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| ROA |
1.1%
+65.7% YoY-23.1% QoQ
|
+0.3% |
0.8%
+27.6% YoY
|
0.9%
+189.6% YoY
|
1.2%
+121.4% YoY
|
76% |
| NIM |
3.5%
-0.4% YoY+1.1% QoQ
|
+0.0% |
3.4%
+6.6% YoY
|
4.0%
+0.2% YoY
|
3.8%
+2.3% YoY
|
50% |
| Efficiency Ratio |
79.2%
-6.1% YoY+4.6% QoQ
|
+6.1% |
73.0%
-2.7% YoY
|
83.1%
+0.7% YoY
|
83.0%
-5.3% YoY
|
76% |
| Delinquency Rate |
0.6%
-0.7% YoY+26.0% QoQ
|
-0.2 |
0.9%
+7.3% YoY
|
1.5%
+12.0% YoY
|
1.3%
+2.6% YoY
|
46% |
| Loan To Share |
93.6%
+0.2% YoY+2.2% QoQ
|
+8.9% |
84.7%
+0.1% YoY
|
74.9%
+0.0% YoY
|
66.4%
-1.4% YoY
|
73% |
| AMR |
$22,766
+2.3% YoY+0.3% QoQ
|
$-7K |
$29,575
+1.5% YoY
|
$17,976
+4.0% YoY
|
$20,028
-0.9% YoY
|
17% |
| CD Concentration |
25.0%
-3.8% YoY+0.5% QoQ
|
-4.1% | 29.1% | 21.4% | 20.0% | 31% |
| Indirect Auto % |
20.6%
-0.5% YoY+3.9% QoQ
|
+2.5% | 18.1% | 4.6% | 7.7% | 62% |
Signature Analysis
Strengths (0)
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)