BlastPoint's Credit Union Scorecard
SELF-HELP
Charter #24802 · NC
SELF-HELP has 7 strengths but faces 10 concerns
How does the industry compare?
What's your peer group doing?
How does NC stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 2.8% in tier
- + Organic Growth Leader: Top 4.3% in tier
- + ROA 0.21% above tier average
- + Strong member growth: 18.8% YoY
- + Net Worth Ratio: Top 0.0% in tier
- + Member Growth Rate: Top 2.3% in tier
- + Deposit Growth Rate: Top 5.6% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 12.8% in tier
- - Credit Quality Pressure: Bottom 17.1% in tier
- - Liquidity Overhang: Bottom 18.8% in tier
- - Credit Risk Growth: Bottom 33.1% in tier
- - Liquidity Strain: Bottom 80.0% in tier
- - Margin Compression: Bottom 88.9% in tier
- - Efficiency ratio 0.88% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 0.7% in tier
- - AMR Growth Rate: Bottom 3.6% in tier
- - Fee Income Per Member: Bottom 6.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
145,945
+18.8% YoY+7.1% QoQ
|
+48.5K |
97,431
-2.4% YoY
|
91,719
+6.9% YoY
|
33,374
+5.7% YoY
|
Top 13.6% in tier |
| Assets |
$2.4B
+11.9% YoY+1.9% QoQ
|
+$664.4M |
$1.7B
+0.9% YoY
|
$1.6B
+12.6% YoY
|
$561.6M
+9.7% YoY
|
82% |
| Loans |
$1.6B
+5.0% YoY+2.0% QoQ
|
+$361.2M |
$1.2B
+0.5% YoY
|
$1.1B
+9.8% YoY
|
$397.0M
+8.8% YoY
|
76% |
| Deposits |
$1.7B
+15.3% YoY+2.5% QoQ
|
+$253.5M |
$1.5B
+0.9% YoY
|
$1.4B
+12.2% YoY
|
$477.3M
+9.7% YoY
|
70% |
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| ROA |
0.9%
-10.3% YoY+0.7% QoQ
|
+0.2% |
0.7%
+20.9% YoY
|
0.2%
-40.7% YoY
|
0.7%
+15.9% YoY
|
70% |
| NIM |
3.3%
-6.9% YoY-1.9% QoQ
|
-0.0% |
3.3%
+9.2% YoY
|
4.1%
+4.6% YoY
|
3.8%
+5.1% YoY
|
49% |
| Efficiency Ratio |
74.9%
-3.3% YoY+0.6% QoQ
|
+0.9% |
74.1%
-9.5% YoY
|
80.6%
-3.1% YoY
|
79.7%
-3.3% YoY
|
52% |
| Delinquency Rate |
0.9%
+67.9% YoY-19.9% QoQ
|
-0.0 |
0.9%
+6.2% YoY
|
2.1%
-15.0% YoY
|
1.3%
-2.1% YoY
|
60% |
| Loan To Share |
93.2%
-9.0% YoY-0.5% QoQ
|
+8.4% |
84.8%
-0.8% YoY
|
75.9%
+1.0% YoY
|
67.4%
-1.7% YoY
|
68% |
| AMR |
$22,670
-7.3% YoY-4.6% QoQ
|
$-7K |
$29,428
+2.4% YoY
|
$17,588
+4.6% YoY
|
$19,687
+2.0% YoY
|
18% |
| CD Concentration |
24.6%
+9.7% YoY+1.4% QoQ
|
-4.5% | 29.0% | 21.7% | 19.8% | 31% |
| Indirect Auto % |
0.5%
-37.8% YoY-14.6% QoQ
|
-17.8% | 18.3% | 5.1% | 7.8% | 15% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (6)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)