BlastPoint's Credit Union Scorecard
ALLEGACY
Charter #24438 · NC
ALLEGACY has 5 strengths but faces 3 concerns
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How does NC stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.71% above tier average
- + Net Interest Margin 0.07% above tier average
- + Fee Income Per Member: Top 2.3% in tier
- + Total Members: Top 2.3% in tier
- + Total Loans: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 32.9% in tier
- - Indirect Auto Dependency: Bottom 46.8% in tier
- - Efficiency ratio 1.06% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
185,077
+4.0% YoY+0.9% QoQ
|
+89.0K |
96,048
-2.7% YoY
|
91,843
+3.2% YoY
|
33,913
+5.7% YoY
|
Top 2.6% in tier |
| Assets |
$2.6B
+5.3% YoY+3.7% QoQ
|
+$849.0M |
$1.7B
+0.4% YoY
|
$1.6B
+7.7% YoY
|
$578.3M
+9.0% YoY
|
Top 13.4% in tier |
| Loans |
$2.0B
+6.9% YoY+0.9% QoQ
|
+$794.6M |
$1.2B
+0.2% YoY
|
$1.1B
+5.7% YoY
|
$402.4M
+8.7% YoY
|
Top 6.9% in tier |
| Deposits |
$2.2B
+5.0% YoY+4.6% QoQ
|
+$726.9M |
$1.5B
+0.5% YoY
|
$1.4B
+7.2% YoY
|
$494.3M
+9.1% YoY
|
Top 12.7% in tier |
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| ROA |
1.4%
+151.0% YoY+104.1% QoQ
|
+0.7% |
0.7%
+27.6% YoY
|
0.4%
+21.7% YoY
|
0.4%
-39.2% YoY
|
Top 7.5% in tier |
| NIM |
3.4%
+0.8% YoY-4.8% QoQ
|
+0.1% |
3.4%
+6.2% YoY
|
4.0%
+0.2% YoY
|
3.8%
+4.1% YoY
|
53% |
| Efficiency Ratio |
75.7%
-12.0% YoY-9.6% QoQ
|
+1.1% |
74.6%
-3.0% YoY
|
84.1%
+2.7% YoY
|
84.6%
+2.8% YoY
|
53% |
| Delinquency Rate |
0.5%
-0.8% YoY-54.4% QoQ
|
-0.2 |
0.8%
+6.9% YoY
|
1.3%
-24.7% YoY
|
1.2%
+3.4% YoY
|
38% |
| Loan To Share |
91.6%
+1.8% YoY-3.6% QoQ
|
+8.4% |
83.2%
-0.4% YoY
|
74.3%
+0.8% YoY
|
65.6%
-1.4% YoY
|
70% |
| AMR |
$22,697
+1.8% YoY+1.9% QoQ
|
$-7K |
$29,652
+2.3% YoY
|
$17,856
+2.9% YoY
|
$19,920
+1.6% YoY
|
17% |
| CD Concentration |
24.8%
-7.9% YoY+1.9% QoQ
|
-4.0% | 28.8% | 21.2% | 19.8% | 32% |
| Indirect Auto % |
19.8%
-5.6% YoY-3.0% QoQ
|
+1.7% | 18.1% | 4.9% | 7.7% | 60% |
Signature Analysis
Strengths (0)
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)