BlastPoint's Credit Union Scorecard
WELCOME
Charter #24807 · NC
WELCOME has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.08% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Assets: Top 3.8% in tier
- + Total Deposits: Top 3.9% in tier
- + Total Members: Top 7.1% in tier
- + Total Loans: Top 7.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.31% below tier average
- - Efficiency ratio 4.80% above tier (higher cost structure)
- - Delinquency rate 0.04% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,520
-0.6% YoY+1.9% QoQ
|
+3.9K |
2,615
-1.9% YoY
|
91,719
+6.9% YoY
|
33,374
+5.7% YoY
|
Top 7.2% in tier |
| Assets |
$90.5M
+0.5% YoY+0.2% QoQ
|
+$60.4M |
$30.1M
+2.1% YoY
|
$1.6B
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Top 3.8% in tier |
| Loans |
$45.6M
-5.9% YoY-2.5% QoQ
|
+$29.9M |
$15.8M
-1.3% YoY
|
$1.1B
+9.8% YoY
|
$397.0M
+8.8% YoY
|
Top 7.3% in tier |
| Deposits |
$77.6M
+0.5% YoY+0.0% QoQ
|
+$52.0M |
$25.7M
+1.4% YoY
|
$1.4B
+12.2% YoY
|
$477.3M
+9.7% YoY
|
Top 3.9% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.3%
+15.6% YoY-11.0% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.2%
-40.7% YoY
|
0.7%
+15.9% YoY
|
30% |
| NIM |
4.0%
+12.6% YoY+2.1% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
4.1%
+4.6% YoY
|
3.8%
+5.1% YoY
|
56% |
| Efficiency Ratio |
87.4%
-5.5% YoY+0.5% QoQ
|
+4.8% |
82.6%
-2.3% YoY
|
80.6%
-3.1% YoY
|
79.7%
-3.3% YoY
|
69% |
| Delinquency Rate |
1.6%
+12.9% YoY-0.8% QoQ
|
+0.0 |
1.6%
-3.1% YoY
|
2.1%
-15.0% YoY
|
1.3%
-2.1% YoY
|
73% |
| Loan To Share |
58.8%
-6.4% YoY-2.5% QoQ
|
-1.8% |
60.6%
-3.1% YoY
|
75.9%
+1.0% YoY
|
67.4%
-1.7% YoY
|
47% |
| AMR |
$18,906
-1.4% YoY-2.8% QoQ
|
+$4K |
$14,783
-1.4% YoY
|
$17,588
+4.6% YoY
|
$19,687
+2.0% YoY
|
74% |
| CD Concentration |
26.0%
+1.7% YoY-1.5% 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)