BlastPoint's Credit Union Scorecard
WELCOME
Charter #24807 · NC
WELCOME has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Assets: Top 2.1% in tier
- + Total Deposits: Top 2.4% in tier
- + Total Loans: Top 7.0% in tier
- + Total Members: Top 7.2% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 3.23% above tier (higher cost structure)
- - Member decline: -2.4% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,330
-2.4% YoY-2.9% QoQ
|
+3.7K |
2,676
+1.6% YoY
|
91,843
+3.2% YoY
|
33,913
+5.7% YoY
|
Top 7.2% in tier |
| Assets |
$93.8M
+0.5% YoY+3.6% QoQ
|
+$63.6M |
$30.2M
+1.3% YoY
|
$1.6B
+7.7% YoY
|
$578.3M
+9.0% YoY
|
Top 2.2% in tier |
| Loans |
$44.5M
-4.9% YoY-2.5% QoQ
|
+$29.2M |
$15.3M
-2.0% YoY
|
$1.1B
+5.7% YoY
|
$402.4M
+8.7% YoY
|
Top 7.1% in tier |
| Deposits |
$81.2M
+0.7% YoY+4.6% QoQ
|
+$55.4M |
$25.8M
+0.7% YoY
|
$1.4B
+7.2% YoY
|
$494.3M
+9.1% YoY
|
Top 2.4% in tier |
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| ROA |
0.2%
-52.7% YoY-38.1% QoQ
|
+0.0% |
0.1%
-77.6% YoY
|
0.4%
+21.7% YoY
|
0.4%
-39.2% YoY
|
29% |
| NIM |
3.9%
+2.6% YoY-4.5% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
4.0%
+0.2% YoY
|
3.8%
+4.1% YoY
|
51% |
| Efficiency Ratio |
93.9%
+6.3% YoY+7.4% QoQ
|
+3.2% |
90.6%
+6.5% YoY
|
84.1%
+2.7% YoY
|
84.6%
+2.8% YoY
|
76% |
| Delinquency Rate |
1.0%
-36.1% YoY-39.4% QoQ
|
-0.5 |
1.5%
+3.8% YoY
|
1.3%
-24.7% YoY
|
1.2%
+3.4% YoY
|
63% |
| Loan To Share |
54.8%
-5.6% YoY-6.8% QoQ
|
-3.7% |
58.5%
-3.0% YoY
|
74.3%
+0.8% YoY
|
65.6%
-1.4% YoY
|
44% |
| AMR |
$19,860
+1.1% YoY+5.0% QoQ
|
+$5K |
$14,884
-1.7% YoY
|
$17,856
+2.9% YoY
|
$19,920
+1.6% YoY
|
77% |
| CD Concentration |
25.7%
+15.9% YoY-1.3% QoQ
|
+1.4% | 24.3% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.9% | 7.7% | 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)