BlastPoint's Credit Union Scorecard

SELF-HELP

Charter #24802 · NC

Mid-Market 1B-3B

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

View Mid-Market leaderboard →

SELF-HELP has 6 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 3.4% in tier
+ Organic Growth Engine: Top 3.4% in tier
+ Strong member growth: 17.0% YoY
+ Net Worth Ratio: Top 0.1% in tier
+ Member Growth Rate: Top 2.6% in tier
+ Deposit Growth Rate: Top 7.5% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 0.3% in tier
- Efficiency Drag: Bottom 2.6% in tier
- Credit Quality Pressure: Bottom 11.1% in tier
- Liquidity Strain: Bottom 33.7% in tier
- Credit Risk Growth: Bottom 54.5% in tier
- Shrinking Wallet Share: Bottom 95.5% in tier
- ROA 0.58% below tier average
- Efficiency ratio 18.20% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Members	145,117 +17.0% YoY-0.6% QoQ	+49.1K	96,048 -2.7% YoY	91,843 +3.2% YoY	33,913 +5.7% YoY	Top 12.7% in tier
Assets	$2.4B +11.8% YoY+0.8% QoQ	+$685.8M	$1.7B +0.4% YoY	$1.6B +7.7% YoY	$578.3M +9.0% YoY	82%
Loans	$1.6B +5.0% YoY-0.4% QoQ	+$376.0M	$1.2B +0.2% YoY	$1.1B +5.7% YoY	$402.4M +8.7% YoY	78%
Deposits	$1.7B +15.3% YoY+1.4% QoQ	+$271.4M	$1.5B +0.5% YoY	$1.4B +7.2% YoY	$494.3M +9.1% YoY	71%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.1% -68.5% YoY-84.2% QoQ	-0.6%	0.7% +27.6% YoY	0.4% +21.7% YoY	0.4% -39.2% YoY	Bottom 8.8% in tier
NIM	3.3% -3.0% YoY+1.8% QoQ	+0.0%	3.4% +6.2% YoY	4.0% +0.2% YoY	3.8% +4.1% YoY	47%
Efficiency Ratio	92.8% +15.4% YoY+23.9% QoQ	+18.2%	74.6% -3.0% YoY	84.1% +2.7% YoY	84.6% +2.8% YoY	Bottom 2.6% in tier
Delinquency Rate	0.7% +86.7% YoY-21.1% QoQ	-0.1	0.8% +6.9% YoY	1.3% -24.7% YoY	1.2% +3.4% YoY	56%
Loan To Share	91.5% -8.9% YoY-1.8% QoQ	+8.3%	83.2% -0.4% YoY	74.3% +0.8% YoY	65.6% -1.4% YoY	69%
AMR	$22,924 -5.8% YoY+1.1% QoQ	$-7K	$29,652 +2.3% YoY	$17,856 +2.9% YoY	$19,920 +1.6% YoY	19%
CD Concentration	24.7% +7.9% YoY+0.7% QoQ	-4.1%	28.8%	21.2%	19.8%	31%
Indirect Auto %	0.5% -38.2% YoY-10.4% QoQ	-17.6%	18.1%	4.9%	7.7%	15%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#4 of 116 • Top 3.4% in tier

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

Why This Signature

Member Growth (YoY): 16.96%

(Tier: 3.50%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.48%

(Tier: 18.07%, National: 7.73%)

better than tier avg

116 of 384 Mid-Market CUs have this signature | 518 nationally

→ No prior data (116 CUs now) | New qualifier

Organic Growth Engine

growth

#49 of 115 • Top 3.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 16.96%

(Tier: 3.50%, National: 10.19%)

better than tier avg

Return on Assets: 0.14%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 0.48%

(Tier: 18.07%, National: 7.73%)

better than tier avg

115 of 384 Mid-Market CUs have this signature | 499 nationally

→ No prior data (115 CUs now) | New qualifier

Concerns (6)

Credit Quality Pressure

risk

#42 of 225 • Bottom 11.1% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.32% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#18 of 82 • Bottom 95.5% in tier

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

Why This Signature

AMR Growth (YoY): -5.80%

(Tier: 3.34%, National: 6.36%)

worse than tier avg

82 of 384 Mid-Market CUs have this signature | 335 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

Credit Risk Growth

risk

#67 of 183 • Bottom 54.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 5.04%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.32% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Efficiency Drag

risk

#60 of 100 • Bottom 2.6% in tier

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

Why This Signature

Efficiency Ratio: 92.83%

(Tier: 73.98%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.31% points

(Tier: 0.14% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 16.96%

(Tier: 3.50%, National: 10.19%)

but better than tier avg

100 of 384 Mid-Market CUs have this signature | 702 nationally

↓ Shrinking -38 CUs YoY | Rank improving

Liquidity Overhang

risk

#10 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: 25.90%

(Tier: 11.28%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 91.52%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

15 of 384 Mid-Market CUs have this signature | 143 nationally

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

Liquidity Strain

risk

#128 of 148 • Bottom 33.7% in tier

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

Why This Signature

Loan-to-Share Ratio: 91.52%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 5.04%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 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 306 peers in tier

Top Strengths (9 metrics)

Net Worth Ratio

risk

Value: 25.90%

Peer Median: 10.85%

#1 of 306 Top 0.1% in 1B-3B tier

Member Growth Rate

growth

Value: 16.96%

Peer Median: 2.03%

#9 of 306 Top 2.6% in 1B-3B tier

Deposit Growth Rate

growth

Value: 15.34%

Peer Median: 4.44%

#24 of 306 Top 7.5% in 1B-3B tier

Asset Growth Rate

growth

Value: 11.77%

Peer Median: 4.82%

#34 of 306 Top 10.8% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.16%

Peer Median: 0.51%

#36 of 306 Top 11.4% in 1B-3B tier

Total Members

engagement

Value: 145,117

Peer Median: 85,918

#39 of 306 Top 12.4% in 1B-3B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.48%

Peer Median: 13.86%

#53 of 306 Top 17.0% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.41B

Peer Median: $1.51B

#54 of 306 Top 17.3% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.59B

Peer Median: $1.11B

#69 of 306 Top 22.2% in 1B-3B tier

Top Weaknesses (6 metrics)

305

First Mortgage Concentration (%)

balance_sheet

Value: 81.04%

Peer Median: 33.05%

#305 of 306 Bottom 0.7% in 1B-3B tier

301

Fee Income Per Member

profitability

Value: $58.22

Peer Median: $191.54

#301 of 306 Bottom 2.0% in 1B-3B tier

299

Efficiency Ratio

profitability

Value: 92.83%

Peer Median: 75.16%

#299 of 306 Bottom 2.6% in 1B-3B tier

293

AMR Growth Rate

growth

Value: -5.80%

Peer Median: 3.15%

#293 of 306 Bottom 4.6% in 1B-3B tier

279

Return on Assets (ROA)

profitability

Value: 0.14%

Peer Median: 0.66%

#279 of 306 Bottom 9.2% in 1B-3B tier

248

Average Member Relationship (AMR)

engagement

Value: $22,924

Peer Median: $28,178

#248 of 306 Bottom 19.3% in 1B-3B tier