BlastPoint's Credit Union Scorecard

SELF-HELP

Charter #24802 · NC

Mid-Market 1B-3B

300 CUs in 1B-3B nationally 6 in NC

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SELF-HELP has 5 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

NC Analysis

How does NC stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 5.1% in tier
+ Organic Growth Engine: Top 5.1% in tier
+ Strong member growth: 12.9% YoY
+ Net Worth Ratio: Top 0.1% in tier
+ Member Growth Rate: Top 4.0% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 0.3% in tier
- Efficiency Drag: Bottom 4.8% in tier
- Liquidity Strain: Bottom 43.2% in tier
- Shrinking Wallet Share: Bottom 96.8% in tier
- ROA 0.45% below tier average
- Efficiency ratio 14.41% above tier (higher cost structure)
- Delinquency rate 0.15% above tier average
- First Mortgage Concentration (%): Bottom 0.7% 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 300 credit unions with $1B-$3B in assets nationally, and 1 of 6 that size in North Carolina.
Shares and deposits +8.7% year over year ($1.75B in shares and deposits).
Membership: 146,774 members, +12.9% vs a year ago.
Delinquency rate 1.01%.
Return on assets 0.37%.
Efficiency ratio 87.43% vs a 73.02% peer average.
Loan-to-share ratio 90.67% vs a 84.71% 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	146,774 +12.9% YoY+1.1% QoQ	+49.9K	96,861 -1.9% YoY	91,933 +2.2% YoY	34,678 +6.6% YoY	Top 13.0% in tier
Assets	$2.4B +5.8% YoY+0.2% QoQ	+$685.2M	$1.7B +0.4% YoY	$1.6B +7.2% YoY	$593.1M +10.2% YoY	82%
Loans	$1.6B +1.9% YoY-0.1% QoQ	+$353.5M	$1.2B +0.7% YoY	$1.1B +5.6% YoY	$418.6M +10.1% YoY	77%
Deposits	$1.8B +8.7% YoY+0.8% QoQ	+$287.7M	$1.5B +0.5% YoY	$1.4B +7.1% YoY	$504.8M +10.3% YoY	71%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.4% -52.9% YoY+159.6% QoQ	-0.5%	0.8% +27.6% YoY	0.9% +189.6% YoY	1.2% +121.4% YoY	15%
NIM	3.4% -1.3% YoY+1.0% QoQ	-0.1%	3.4% +6.6% YoY	4.0% +0.2% YoY	3.8% +2.3% YoY	42%
Efficiency Ratio	87.4% +12.6% YoY-5.8% QoQ	+14.4%	73.0% -2.7% YoY	83.1% +0.7% YoY	83.0% -5.3% YoY	Bottom 5.3% in tier
Delinquency Rate	1.0% -15.6% YoY+47.9% QoQ	+0.2	0.9% +7.3% YoY	1.5% +12.0% YoY	1.3% +2.6% YoY	72%
Loan To Share	90.7% -6.3% YoY-0.9% QoQ	+6.0%	84.7% +0.1% YoY	74.9% +0.0% YoY	66.4% -1.4% YoY	61%
AMR	$22,748 -6.7% YoY-0.8% QoQ	$-7K	$29,575 +1.5% YoY	$17,976 +4.0% YoY	$20,028 -0.9% YoY	17%
CD Concentration	25.5% +10.6% YoY+3.1% QoQ	-3.6%	29.1%	21.4%	20.0%	34%
Indirect Auto %	0.4% -39.3% YoY-11.8% QoQ	-17.7%	18.1%	4.6%	7.7%	Top 14.9% in tier

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#10 of 112 • Top 5.1% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 12.87%

(Tier: 3.16%, National: 15.67%)

better than tier avg

Indirect Auto %: 0.42%

(Tier: 18.08%, National: 7.71%)

better than tier avg

112 of 377 Mid-Market CUs have this signature | 485 nationally

↓ Shrinking -20 CUs YoY | New qualifier

Organic Growth Engine

growth

#45 of 113 • Top 5.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 12.87%

(Tier: 3.16%, National: 15.67%)

better than tier avg

Return on Assets: 0.37%

(Tier: 0.84%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 0.42%

(Tier: 18.08%, National: 7.71%)

better than tier avg

113 of 377 Mid-Market CUs have this signature | 490 nationally

↓ Shrinking -131 CUs YoY | New qualifier

Concerns (4)

Shrinking Wallet Share

decline

#13 of 69 • Bottom 96.8% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -6.66%

(Tier: 3.62%, National: 35.20%)

worse than tier avg

69 of 377 Mid-Market CUs have this signature | 308 nationally

↓ Shrinking -22 CUs YoY | New qualifier

Liquidity Overhang

risk

#8 of 15 • Bottom 0.3% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 25.18%

(Tier: 11.45%, National: 14.66%)

but better than tier avg

Loan-to-Share Ratio: 90.67%

(Tier: 85.94%, National: 66.39%)

but better than tier avg

15 of 377 Mid-Market CUs have this signature | 148 nationally

→ Stable (16→15 CUs) -1 CUs YoY | Rank worsening

Efficiency Drag

risk

#58 of 71 • Bottom 4.8% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 87.43%

(Tier: 72.30%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.41% points

(Tier: 0.18% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): 12.87%

(Tier: 3.16%, National: 15.67%)

but better than tier avg

71 of 377 Mid-Market CUs have this signature | 608 nationally

↓ Shrinking -33 CUs YoY | New qualifier

Liquidity Strain

risk

#164 of 168 • Bottom 43.2% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 90.67%

(Tier: 85.94%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 1.89%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

168 of 377 Mid-Market CUs have this signature | 432 nationally

→ Stable (173→168 CUs) -5 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 300 peers in tier

Top Strengths (8 metrics)

Net Worth Ratio

risk

Value: 25.18%

Peer Median: 10.91%

#1 of 300 Top 0.1% in 1B-3B tier

Member Growth Rate

growth

Value: 12.87%

Peer Median: 1.84%

#13 of 300 Top 4.0% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.17%

Peer Median: 0.52%

#36 of 300 Top 11.7% in 1B-3B tier

Total Members

engagement

Value: 146,774

Peer Median: 86,516

#39 of 300 Top 12.7% in 1B-3B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.42%

Peer Median: 14.26%

#50 of 300 Top 16.3% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.41B

Peer Median: $1.51B

#53 of 300 Top 17.3% in 1B-3B tier

Deposit Growth Rate

growth

Value: 8.69%

Peer Median: 4.79%

#64 of 300 Top 21.0% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.59B

Peer Median: $1.14B

#69 of 300 Top 22.7% in 1B-3B tier

Top Weaknesses (7 metrics)

299

First Mortgage Concentration (%)

balance_sheet

Value: 80.87%

Peer Median: 33.59%

#299 of 300 Bottom 0.7% in 1B-3B tier

296

Fee Income Per Member

profitability

Value: $69.34

Peer Median: $204.73

#296 of 300 Bottom 1.7% in 1B-3B tier

290

AMR Growth Rate

growth

Value: -6.66%

Peer Median: 3.19%

#290 of 300 Bottom 3.7% in 1B-3B tier

285

Efficiency Ratio

profitability

Value: 87.43%

Peer Median: 73.62%

#285 of 300 Bottom 5.3% in 1B-3B tier

254

Return on Assets (ROA)

profitability

Value: 0.37%

Peer Median: 0.77%

#254 of 300 Bottom 15.7% in 1B-3B tier

250

Average Member Relationship (AMR)

engagement

Value: $22,748

Peer Median: $28,089

#250 of 300 Bottom 17.0% in 1B-3B tier

228

Loan-to-Member Ratio (LMR)

engagement

Value: $10,817

Peer Median: $12,809

#228 of 300 Bottom 24.3% in 1B-3B tier