BlastPoint's Credit Union Scorecard

ALLEGACY

Charter #24438 · NC

Mid-Market 1B-3B

304 CUs in 1B-3B nationally 6 in NC

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ALLEGACY has 5 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

NC Analysis

How does NC stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 29.1% in tier
+ Wallet Share Momentum: Top 100.0% in tier
+ Net Interest Margin 0.33% above tier average
+ Total Members: Top 3.6% in tier
+ Total Loans: Top 8.9% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 3.0% in tier
- Efficiency Drag: Bottom 4.9% in tier
- Credit Risk Growth: Bottom 5.0% in tier
- Liquidity Strain: Bottom 19.5% in tier
- Indirect Auto Dependency: Bottom 23.2% in tier
- ROA 0.01% below tier average
- Efficiency ratio 9.79% above tier (higher cost structure)
- Delinquency rate 0.16% above tier average

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Members	180,690 +1.0% YoY+0.4% QoQ	+82.0K	98,678 -1.9% YoY	91,841 +6.6% YoY	33,089 +6.1% YoY	Top 3.9% in tier
Assets	$2.4B +3.9% YoY-0.6% QoQ	+$688.9M	$1.7B +0.5% YoY	$1.5B +5.5% YoY	$547.7M +7.8% YoY	82%
Loans	$2.0B +6.0% YoY+1.0% QoQ	+$719.1M	$1.2B +0.5% YoY	$1.1B +9.9% YoY	$388.7M +8.6% YoY	Top 9.2% in tier
Deposits	$2.0B +6.1% YoY-1.0% QoQ	+$595.1M	$1.5B +1.3% YoY	$1.3B +12.1% YoY	$464.6M +9.3% YoY	84%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.7% -9.4% YoY+4.7% QoQ	-0.0%	0.7% +13.4% YoY	0.4% -19.0% YoY	0.7% +273.4% YoY	53%
NIM	3.6% +0.2% YoY+3.3% QoQ	+0.3%	3.3% +9.3% YoY	4.1% +4.0% YoY	3.7% +5.0% YoY	71%
Efficiency Ratio	83.8% +0.9% YoY-0.6% QoQ	+9.8%	74.0% -10.9% YoY	81.5% -1.2% YoY	79.1% -3.3% YoY	Top 11.2% in tier
Delinquency Rate	1.0% +80.2% YoY+50.3% QoQ	+0.2	0.8% +6.1% YoY	1.5% +2.4% YoY	1.2% -0.9% YoY	75%
Loan To Share	95.3% -0.1% YoY+2.0% QoQ	+10.1%	85.2% -0.8% YoY	76.3% +1.1% YoY	68.0% -1.7% YoY	76%
AMR	$22,146 +5.0% YoY-0.5% QoQ	$-7K	$29,172 +2.8% YoY	$17,441 +4.0% YoY	$19,418 +1.3% YoY	15%
CD Concentration	24.1% -9.9% YoY-7.0% QoQ	-4.8%	29.0% +0.7% YoY	20.6% +2.2% YoY	19.6% +6.2% YoY	28%
Indirect Auto %	21.0% -1.6% YoY+1.6% QoQ	+2.2%	18.8% -3.0% YoY	5.3% -2.9% YoY	7.9% -2.9% YoY	60%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#212 of 246 • Top 29.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.98%

(Tier: 3.18%, National: 9.37%)

but worse than tier avg

Return on Assets: 0.70%

(Tier: 0.71%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 21.01%

(Tier: 18.77%, National: 7.90%)

but worse than tier avg

246 of 380 Mid-Market CUs have this signature | 917 nationally

↑ Growing +14 CUs YoY | New qualifier

Wallet Share Momentum

growth

#116 of 116 • Top 100.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.01%

(Tier: 3.04%, National: 4.19%)

better than tier avg

116 of 380 Mid-Market CUs have this signature | 620 nationally

↑ Growing +38 CUs YoY | New qualifier

Concerns (5)

Credit Quality Pressure

risk

#24 of 217 • Bottom 3.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.44% points

(Tier: 0.07% points, National: 0.07% points)

worse than tier avg

217 of 380 Mid-Market CUs have this signature | 1002 nationally

↓ Shrinking -70 CUs YoY | Rank improving

Efficiency Drag

risk

#17 of 96 • Bottom 4.9% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 83.76%

(Tier: 73.43%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.07% points

(Tier: 0.07% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): 0.98%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

96 of 380 Mid-Market CUs have this signature | 624 nationally

↓ Shrinking -32 CUs YoY | Rank improving

Credit Risk Growth

risk

#29 of 161 • Bottom 5.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 5.97%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 0.44% points

(Tier: 0.07% points, National: 0.07% points)

worse than tier avg

161 of 380 Mid-Market CUs have this signature | 646 nationally

↓ Shrinking -30 CUs YoY | Rank improving

Liquidity Strain

risk

#103 of 183 • Bottom 19.5% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 95.25%

(Tier: 86.32%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 5.97%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

183 of 380 Mid-Market CUs have this signature | 484 nationally

↑ Growing +10 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#144 of 202 • Bottom 23.2% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 3.85%

(Tier: 5.36%, National: 3.04%)

worse than tier avg

Indirect Auto %: 21.01%

(Tier: 18.77%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 0.98%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

202 of 380 Mid-Market CUs have this signature | 768 nationally

↓ Shrinking -7 CUs YoY | Rank improving

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)

Compare against:

Comparing against 304 peers in tier

Top Strengths (9 metrics)

Total Members

engagement

Value: 180,690

Peer Avg: -

#12 of 304 Top 3.6% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.95B

Peer Avg: -

#28 of 304 Top 8.9% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.18%

Peer Avg: -

#36 of 304 Top 11.5% in 1B-3B tier

Fee Income Per Member

profitability

Value: $289.93

Peer Avg: -

#40 of 304 Top 12.8% in 1B-3B tier

Total Deposits

balance_sheet

Value: $2.05B

Peer Avg: -

#50 of 304 Top 16.1% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.41B

Peer Avg: -

#54 of 304 Top 17.4% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 20.22%

Peer Avg: -

#55 of 304 Top 17.8% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 427.163

Peer Avg: -

#63 of 304 Top 20.4% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 95.25%

Peer Avg: -

#74 of 304 Top 24.0% in 1B-3B tier

Top Weaknesses (3 metrics)

271

Efficiency Ratio

profitability

Value: 83.76%

Peer Avg: -

#271 of 304 Bottom 11.2% in 1B-3B tier

258

Average Member Relationship (AMR)

engagement

Value: $22,146

Peer Avg: -

#258 of 304 Bottom 15.5% in 1B-3B tier

229

Total Delinquency Rate (60+ days)

risk

Value: 0.98%

Peer Avg: -

#229 of 304 Bottom 25.0% in 1B-3B tier