BlastPoint's Credit Union Scorecard
CAROLINA COOPERATIVE
Charter #24801 · NC
CAROLINA COOPERATIVE has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 2.7% in tier
- + AMR Growth Rate: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.72% below tier average
- - Efficiency ratio 13.27% above tier (higher cost structure)
- - Member decline: -13.1% YoY
- - Member Growth Rate: Bottom 3.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,691
-13.1% YoY-8.2% QoQ
|
+6.1K |
2,615
-1.9% YoY
|
91,719
+6.9% YoY
|
33,374
+5.7% YoY
|
Top 2.8% in tier |
| Assets |
$48.0M
-6.3% YoY-0.3% QoQ
|
+$17.8M |
$30.1M
+2.1% YoY
|
$1.6B
+12.6% YoY
|
$561.6M
+9.7% YoY
|
76% |
| Loans |
$34.1M
+0.7% YoY+6.4% QoQ
|
+$18.3M |
$15.8M
-1.3% YoY
|
$1.1B
+9.8% YoY
|
$397.0M
+8.8% YoY
|
Top 14.6% in tier |
| Deposits |
$41.1M
-7.1% YoY-0.4% QoQ
|
+$15.4M |
$25.7M
+1.4% YoY
|
$1.4B
+12.2% YoY
|
$477.3M
+9.7% YoY
|
76% |
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| ROA |
-0.1%
-13465.1% YoY-54.0% QoQ
|
-0.7% |
0.6%
+10.8% YoY
|
0.2%
-40.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 14.0% in tier |
| NIM |
3.4%
+13.3% YoY+4.8% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
4.1%
+4.6% YoY
|
3.8%
+5.1% YoY
|
30% |
| Efficiency Ratio |
95.8%
-0.3% YoY-2.0% QoQ
|
+13.3% |
82.6%
-2.3% YoY
|
80.6%
-3.1% YoY
|
79.7%
-3.3% YoY
|
84% |
| Delinquency Rate |
1.0%
-37.4% YoY-24.4% QoQ
|
-0.5 |
1.6%
-3.1% YoY
|
2.1%
-15.0% YoY
|
1.3%
-2.1% YoY
|
61% |
| Loan To Share |
82.9%
+8.4% YoY+6.8% QoQ
|
+22.3% |
60.6%
-3.1% YoY
|
75.9%
+1.0% YoY
|
67.4%
-1.7% YoY
|
82% |
| AMR |
$8,646
+10.8% YoY+11.7% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$17,588
+4.6% YoY
|
$19,687
+2.0% YoY
|
22% |
| CD Concentration |
26.1%
-10.5% YoY-0.4% QoQ
|
+1.6% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.1% | 7.8% | 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)