BlastPoint's Credit Union Scorecard
SELF-HELP
Charter #24802 · NC
SELF-HELP has 7 strengths but faces 9 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 4.0% in tier
- + Organic Growth Leader: Top 9.7% in tier
- + ROA 0.19% above tier average
- + Net Interest Margin 0.07% above tier average
- + Strong member growth: 5.5% YoY
- + Net Worth Ratio: Top 0.0% in tier
- + Deposit Growth Rate: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 2.3% in tier
- - Credit Risk Growth: Bottom 9.3% in tier
- - Liquidity Overhang: Bottom 18.8% in tier
- - Margin Compression: Bottom 23.2% in tier
- - Liquidity Strain: Bottom 27.5% in tier
- - Efficiency ratio 0.51% above tier (higher cost structure)
- - Delinquency rate 0.26% above tier average
- - First Mortgage Concentration (%): Bottom 0.7% in tier
- - Fee Income Per Member: Bottom 4.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
136,214
+5.5% YoY+4.7% QoQ
|
+37.5K |
98,678
-1.9% YoY
|
91,841
+6.6% YoY
|
33,089
+6.1% YoY
|
81% |
| Assets |
$2.3B
+10.2% YoY+2.9% QoQ
|
+$624.1M |
$1.7B
+0.5% YoY
|
$1.5B
+5.5% YoY
|
$547.7M
+7.8% YoY
|
80% |
| Loans |
$1.6B
+3.5% YoY+0.4% QoQ
|
+$331.3M |
$1.2B
+0.5% YoY
|
$1.1B
+9.9% YoY
|
$388.7M
+8.6% YoY
|
75% |
| Deposits |
$1.7B
+12.2% YoY+3.7% QoQ
|
+$217.1M |
$1.5B
+1.3% YoY
|
$1.3B
+12.1% YoY
|
$464.6M
+9.3% YoY
|
69% |
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| ROA |
0.9%
-14.2% YoY+14.4% QoQ
|
+0.2% |
0.7%
+13.4% YoY
|
0.4%
-19.0% YoY
|
0.7%
+273.4% YoY
|
67% |
| NIM |
3.3%
-6.4% YoY-2.2% QoQ
|
+0.1% |
3.3%
+9.3% YoY
|
4.1%
+4.0% YoY
|
3.7%
+5.0% YoY
|
54% |
| Efficiency Ratio |
74.5%
-2.3% YoY-4.1% QoQ
|
+0.5% |
74.0%
-10.9% YoY
|
81.5%
-1.2% YoY
|
79.1%
-3.3% YoY
|
49% |
| Delinquency Rate |
1.1%
+105.3% YoY-9.7% QoQ
|
+0.3 |
0.8%
+6.1% YoY
|
1.5%
+2.4% YoY
|
1.2%
-0.9% YoY
|
79% |
| Loan To Share |
93.6%
-7.7% YoY-3.2% QoQ
|
+8.4% |
85.2%
-0.8% YoY
|
76.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
69% |
| AMR |
$23,755
+2.2% YoY-2.5% QoQ
|
$-5K |
$29,172
+2.8% YoY
|
$17,441
+4.0% YoY
|
$19,418
+1.3% YoY
|
26% |
| CD Concentration |
24.2%
+9.7% YoY+4.9% QoQ
|
-4.7% |
29.0%
+0.7% YoY
|
20.6%
+2.2% YoY
|
19.6%
+6.2% YoY
|
30% |
| Indirect Auto % |
0.6%
-33.1% YoY-9.9% QoQ
|
-18.1% |
18.8%
-3.0% YoY
|
5.3%
-2.9% YoY
|
7.9%
-2.9% YoY
|
16% |
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 (5)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)