BlastPoint's Credit Union Scorecard
CAROLINA COOPERATIVE
Charter #24801 · NC
CAROLINA COOPERATIVE has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 1.6% in tier
- + Members Per Employee (MPE): Top 7.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.90% below tier average
- - Efficiency ratio 16.42% above tier (higher cost structure)
- - Member decline: -6.1% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,466
-6.1% YoY-3.3% QoQ
|
+6.8K |
2,625
-2.2% YoY
|
91,841
+6.6% YoY
|
33,089
+6.1% YoY
|
Top 1.7% in tier |
| Assets |
$48.1M
-5.6% YoY-2.8% QoQ
|
+$18.3M |
$29.9M
+1.1% YoY
|
$1.5B
+5.5% YoY
|
$547.7M
+7.8% YoY
|
76% |
| Loans |
$32.0M
-11.6% YoY+2.2% QoQ
|
+$16.2M |
$15.8M
-2.4% YoY
|
$1.1B
+9.9% YoY
|
$388.7M
+8.6% YoY
|
84% |
| Deposits |
$41.3M
-5.7% YoY-3.2% QoQ
|
+$15.8M |
$25.5M
+0.4% YoY
|
$1.3B
+12.1% YoY
|
$464.6M
+9.3% YoY
|
76% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-0.2%
-781.8% YoY+187.8% QoQ
|
-0.9% |
0.7%
-731.4% YoY
|
0.4%
-19.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 12.1% in tier |
| NIM |
3.2%
+13.5% YoY+4.0% QoQ
|
-0.7% |
3.9%
+3.8% YoY
|
4.1%
+4.0% YoY
|
3.7%
+5.0% YoY
|
25% |
| Efficiency Ratio |
97.8%
+1.5% YoY+1.3% QoQ
|
+16.4% |
81.4%
-2.4% YoY
|
81.5%
-1.2% YoY
|
79.1%
-3.3% YoY
|
Top 12.8% in tier |
| Delinquency Rate |
1.4%
-46.8% YoY-14.2% QoQ
|
-0.1 |
1.5%
-2.0% YoY
|
1.5%
+2.4% YoY
|
1.2%
-0.9% YoY
|
70% |
| Loan To Share |
77.6%
-6.2% YoY+5.6% QoQ
|
+16.4% |
61.2%
-3.0% YoY
|
76.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
74% |
| AMR |
$7,740
-2.4% YoY+2.5% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$17,441
+4.0% YoY
|
$19,418
+1.3% YoY
|
18% |
| CD Concentration |
26.2%
-8.2% YoY-1.7% QoQ
|
+1.7% |
24.4%
+4.2% YoY
|
20.6%
+2.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.3%
-2.9% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)