BlastPoint's Credit Union Scorecard
CAROLINA COOPERATIVE
Charter #24801 · NC
CAROLINA COOPERATIVE has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + AMR Growth Rate: Top 3.2% in tier
- + Total Members: Top 3.6% in tier
Key Concerns
Areas that may need attention
- - ROA 1.23% below tier average
- - Efficiency ratio 0.91% above tier (higher cost structure)
- - Delinquency rate 0.18% above tier average
- - Member decline: -19.7% YoY
- - Member Growth Rate: Bottom 1.9% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 31 that size in North Carolina.
- Shares and deposits -7.6% year over year ($39.4M in shares and deposits).
- Membership: 7,860 members, -19.7% vs a year ago.
- Delinquency rate 1.73%.
- Return on assets 0.26%.
- Efficiency ratio 89.68% vs a 88.77% peer average.
- Loan-to-share ratio 80.02% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,860
-19.7% YoY-7.4% QoQ
|
+5.3K |
2,585
-1.7% YoY
|
91,933
+2.2% YoY
|
34,678
+6.6% YoY
|
Top 3.6% in tier |
| Assets |
$46.3M
-6.6% YoY-2.1% QoQ
|
+$16.0M |
$30.3M
+1.5% YoY
|
$1.6B
+7.2% YoY
|
$593.1M
+10.2% YoY
|
74% |
| Loans |
$31.5M
+0.6% YoY-2.4% QoQ
|
+$16.0M |
$15.5M
-1.7% YoY
|
$1.1B
+5.6% YoY
|
$418.6M
+10.1% YoY
|
84% |
| Deposits |
$39.4M
-7.6% YoY-2.6% QoQ
|
+$13.6M |
$25.8M
+1.1% YoY
|
$1.4B
+7.1% YoY
|
$504.8M
+10.3% YoY
|
75% |
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| ROA |
0.3%
-447.7% YoY-37.5% QoQ
|
-1.2% |
1.5%
+241.5% YoY
|
0.9%
+189.6% YoY
|
1.2%
+121.4% YoY
|
16% |
| NIM |
3.7%
+19.5% YoY+2.3% QoQ
|
-0.2% |
3.9%
+0.9% YoY
|
4.0%
+0.2% YoY
|
3.8%
+2.3% YoY
|
43% |
| Efficiency Ratio |
89.7%
-7.2% YoY+1.9% QoQ
|
+0.9% |
88.8%
-6.9% YoY
|
83.1%
+0.7% YoY
|
83.0%
-5.3% YoY
|
71% |
| Delinquency Rate |
1.7%
+8.3% YoY+27.8% QoQ
|
+0.2 |
1.5%
+2.1% YoY
|
1.5%
+12.0% YoY
|
1.3%
+2.6% YoY
|
75% |
| Loan To Share |
80.0%
+8.9% YoY+0.2% QoQ
|
+21.1% |
58.9%
-3.1% YoY
|
74.9%
+0.0% YoY
|
66.4%
-1.4% YoY
|
80% |
| AMR |
$9,016
+19.4% YoY+5.3% QoQ
|
$-6K |
$14,963
-6.8% YoY
|
$17,976
+4.0% YoY
|
$20,028
-0.9% YoY
|
23% |
| CD Concentration |
24.3%
-8.5% YoY-5.6% QoQ
|
-0.2% | 24.6% | 21.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 4.6% | 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)