BlastPoint's Credit Union Scorecard

ALLEGACY

Charter #24438 · NC

Mid-Market 1B-3B

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

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ALLEGACY has 6 strengths but faces 7 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 56.5% in tier
+ ROA 0.02% above tier average
+ Net Interest Margin 0.32% above tier average
+ Total Members: Top 2.6% in tier
+ Total Loans: Top 7.9% in tier
+ Fee Income Per Member: Top 8.6% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 7.4% in tier
- Credit Quality Pressure: Bottom 9.5% in tier
- Efficiency Drag: Bottom 29.2% in tier
- Liquidity Strain: Bottom 47.9% in tier
- Indirect Auto Dependency: Bottom 86.7% in tier
- Efficiency ratio 9.70% above tier (higher cost structure)
- Delinquency rate 0.23% above tier average

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Members	183,472 +4.0% YoY+1.5% QoQ	+86.0K	97,431 -2.4% YoY	91,719 +6.9% YoY	33,374 +5.7% YoY	Top 3.0% in tier
Assets	$2.5B +4.9% YoY+2.9% QoQ	+$755.0M	$1.7B +0.9% YoY	$1.6B +12.6% YoY	$561.6M +9.7% YoY	84%
Loans	$2.0B +8.9% YoY+2.0% QoQ	+$756.9M	$1.2B +0.5% YoY	$1.1B +9.8% YoY	$397.0M +8.8% YoY	Top 8.3% in tier
Deposits	$2.1B +5.2% YoY+2.3% QoQ	+$637.1M	$1.5B +0.9% YoY	$1.4B +12.2% YoY	$477.3M +9.7% YoY	Top 14.6% in tier

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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% -4.2% YoY+0.8% QoQ	+0.0%	0.7% +20.9% YoY	0.2% -40.7% YoY	0.7% +15.9% YoY	55%
NIM	3.6% +1.5% YoY+0.2% QoQ	+0.3%	3.3% +9.2% YoY	4.1% +4.6% YoY	3.8% +5.1% YoY	71%
Efficiency Ratio	83.8% +0.7% YoY-0.0% QoQ	+9.7%	74.1% -9.5% YoY	80.6% -3.1% YoY	79.7% -3.3% YoY	Top 11.3% in tier
Delinquency Rate	1.1% +86.7% YoY+14.9% QoQ	+0.2	0.9% +6.2% YoY	2.1% -15.0% YoY	1.3% -2.1% YoY	77%
Loan To Share	95.0% +3.6% YoY-0.3% QoQ	+10.2%	84.8% -0.8% YoY	75.9% +1.0% YoY	67.4% -1.7% YoY	76%
AMR	$22,280 +2.9% YoY+0.6% QoQ	$-7K	$29,428 +2.4% YoY	$17,588 +4.6% YoY	$19,687 +2.0% YoY	15%
CD Concentration	24.4% -10.8% YoY+1.0% QoQ	-4.7%	29.0%	21.7%	19.8%	30%
Indirect Auto %	20.4% -5.0% YoY-2.8% QoQ	+2.1%	18.3%	5.1%	7.8%	60%

Signature Analysis

Strengths (1)

Organic Growth Engine

growth

#140 of 247 • Top 56.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.99%

(Tier: 3.43%, National: 4.32%)

better than tier avg

Return on Assets: 0.70%

(Tier: 0.69%, National: 0.67%)

better than tier avg

Indirect Auto %: 20.42%

(Tier: 18.31%, National: 7.78%)

but worse than tier avg

247 of 378 Mid-Market CUs have this signature | 913 nationally

→ No prior data (247 CUs now) | New qualifier

Concerns (5)

Credit Risk Growth

risk

#13 of 164 • Bottom 7.4% in tier

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

Why This Signature

Loan Growth (YoY): 8.94%

(Tier: 6.38%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.52% points

(Tier: 0.06% points, National: 0.06% points)

worse than tier avg

164 of 378 Mid-Market CUs have this signature | 665 nationally

→ No prior data (164 CUs now) | New qualifier

Credit Quality Pressure

risk

#21 of 211 • Bottom 9.5% in tier

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

Why This Signature

Delinquency Change (YoY): 0.52% points

(Tier: 0.06% points, National: 0.06% points)

worse than tier avg

211 of 378 Mid-Market CUs have this signature | 969 nationally

↓ Shrinking -59 CUs YoY | Rank improving

Efficiency Drag

risk

#27 of 90 • Bottom 29.2% 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: 73.53%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.03% points

(Tier: 0.12% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): 3.99%

(Tier: 3.43%, National: 4.32%)

but better than tier avg

90 of 378 Mid-Market CUs have this signature | 633 nationally

↓ Shrinking -36 CUs YoY | Rank improving

Liquidity Strain

risk

#80 of 166 • Bottom 47.9% in tier

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

Why This Signature

Loan-to-Share Ratio: 94.99%

(Tier: 85.73%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 8.94%

(Tier: 6.38%, National: 111.96%)

but better than tier avg

166 of 378 Mid-Market CUs have this signature | 439 nationally

↓ Shrinking -7 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#170 of 196 • Bottom 86.7% in tier

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

Why This Signature

Asset Growth (YoY): 4.93%

(Tier: 6.83%, National: 3.54%)

worse than tier avg

Indirect Auto %: 20.42%

(Tier: 18.31%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 3.99%

(Tier: 3.43%, National: 4.32%)

but better than tier avg

196 of 378 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -11 CUs YoY | Rank worsening

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 302 peers in tier

Top Strengths (9 metrics)

Total Members

engagement

Value: 183,472

Peer Median: -

#9 of 302 Top 2.6% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.99B

Peer Median: -

#25 of 302 Top 7.9% in 1B-3B tier

Fee Income Per Member

profitability

Value: $304.19

Peer Median: -

#27 of 302 Top 8.6% in 1B-3B tier

Total Deposits

balance_sheet

Value: $2.10B

Peer Median: -

#44 of 302 Top 14.2% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.19%

Peer Median: -

#45 of 302 Top 14.6% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.48B

Peer Median: -

#47 of 302 Top 15.2% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 19.88%

Peer Median: -

#53 of 302 Top 17.2% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 425.689

Peer Median: -

#62 of 302 Top 20.2% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 94.99%

Peer Median: -

#73 of 302 Top 23.8% in 1B-3B tier

Top Weaknesses (4 metrics)

269

Efficiency Ratio

profitability

Value: 83.76%

Peer Median: -

#269 of 302 Bottom 11.3% in 1B-3B tier

256

Average Member Relationship (AMR)

engagement

Value: $22,280

Peer Median: -

#256 of 302 Bottom 15.6% in 1B-3B tier

234

Total Delinquency Rate (60+ days)

risk

Value: 1.13%

Peer Median: -

#234 of 302 Bottom 22.8% in 1B-3B tier

229

Loan-to-Member Ratio (LMR)

engagement

Value: $10,854

Peer Median: -

#229 of 302 Bottom 24.5% in 1B-3B tier