BlastPoint's Credit Union Scorecard
CAROLINA COOPERATIVE
Charter #24801 · NC
CAROLINA COOPERATIVE has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.27% above tier average
- + Total Members: Top 2.6% in tier
- + AMR Growth Rate: Top 6.5% in tier
- + Members Per Employee (MPE): Top 7.2% in tier
Key Concerns
Areas that may need attention
- - Member decline: -14.4% YoY
- - Member Growth Rate: Bottom 3.1% in tier
- - Asset Growth Rate: Bottom 9.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,490
-14.4% YoY-2.3% QoQ
|
+5.8K |
2,676
+1.6% YoY
|
91,843
+3.2% YoY
|
33,913
+5.7% YoY
|
Top 2.7% in tier |
| Assets |
$47.3M
-7.0% YoY-1.5% QoQ
|
+$17.1M |
$30.2M
+1.3% YoY
|
$1.6B
+7.7% YoY
|
$578.3M
+9.0% YoY
|
75% |
| Loans |
$32.3M
+1.5% YoY-5.3% QoQ
|
+$17.0M |
$15.3M
-2.0% YoY
|
$1.1B
+5.7% YoY
|
$402.4M
+8.7% YoY
|
Top 14.9% in tier |
| Deposits |
$40.4M
-7.9% YoY-1.6% QoQ
|
+$14.6M |
$25.8M
+0.7% YoY
|
$1.4B
+7.2% YoY
|
$494.3M
+9.1% YoY
|
75% |
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| ROA |
0.4%
+343.9% YoY-520.1% QoQ
|
+0.3% |
0.1%
-77.6% YoY
|
0.4%
+21.7% YoY
|
0.4%
-39.2% YoY
|
40% |
| NIM |
3.6%
+22.1% YoY+7.2% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
4.0%
+0.2% YoY
|
3.8%
+4.1% YoY
|
42% |
| Efficiency Ratio |
88.0%
-5.7% YoY-8.2% QoQ
|
-2.7% |
90.6%
+6.5% YoY
|
84.1%
+2.7% YoY
|
84.6%
+2.8% YoY
|
65% |
| Delinquency Rate |
1.4%
-24.3% YoY+30.5% QoQ
|
-0.2 |
1.5%
+3.8% YoY
|
1.3%
-24.7% YoY
|
1.2%
+3.4% YoY
|
72% |
| Loan To Share |
79.8%
+10.3% YoY-3.7% QoQ
|
+21.3% |
58.5%
-3.0% YoY
|
74.3%
+0.8% YoY
|
65.6%
-1.4% YoY
|
81% |
| AMR |
$8,561
+12.3% YoY-1.0% QoQ
|
$-6K |
$14,884
-1.7% YoY
|
$17,856
+2.9% YoY
|
$19,920
+1.6% YoY
|
21% |
| CD Concentration |
25.8%
-0.6% YoY-1.1% QoQ
|
+1.5% | 24.3% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.9% | 7.7% | 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)