BlastPoint's Credit Union Scorecard
ALLEGACY
Charter #24438 · NC
ALLEGACY has 4 strengths but faces 7 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + 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 Quality Pressure: Bottom 5.6% in tier
- - Efficiency Drag: Bottom 11.2% in tier
- - Liquidity Strain: Bottom 26.6% in tier
- - Credit Risk Growth: Bottom 29.3% in tier
- - Indirect Auto Dependency: Bottom 56.7% 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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| 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
|
Bottom 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 (0)
Concerns (5)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)