BlastPoint's Credit Union Scorecard
SHUFORD
Charter #24811 · NC
SHUFORD demonstrates 4 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.76% above tier average
- + Net Interest Margin 1.10% above tier average
- + Deposit Growth Rate: Top 6.3% in tier
- + Loan-to-Share Ratio: Top 7.7% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,369
-0.4% YoY-2.1% QoQ
|
+1.8K |
2,615
-1.9% YoY
|
91,719
+6.9% YoY
|
33,374
+5.7% YoY
|
82% |
| Assets |
$36.7M
+7.2% YoY+3.0% QoQ
|
+$6.6M |
$30.1M
+2.1% YoY
|
$1.6B
+12.6% YoY
|
$561.6M
+9.7% YoY
|
66% |
| Loans |
$29.2M
+6.1% YoY-2.5% QoQ
|
+$13.4M |
$15.8M
-1.3% YoY
|
$1.1B
+9.8% YoY
|
$397.0M
+8.8% YoY
|
82% |
| Deposits |
$31.2M
+12.3% YoY+3.3% QoQ
|
+$5.6M |
$25.7M
+1.4% YoY
|
$1.4B
+12.2% YoY
|
$477.3M
+9.7% YoY
|
66% |
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| ROA |
1.4%
-10.6% YoY-5.2% QoQ
|
+0.8% |
0.6%
+10.8% YoY
|
0.2%
-40.7% YoY
|
0.7%
+15.9% YoY
|
81% |
| NIM |
5.0%
-2.9% YoY-1.6% QoQ
|
+1.1% |
4.0%
+4.0% YoY
|
4.1%
+4.6% YoY
|
3.8%
+5.1% YoY
|
Top 13.4% in tier |
| Efficiency Ratio |
77.5%
+5.1% YoY+1.2% QoQ
|
-5.1% |
82.6%
-2.3% YoY
|
80.6%
-3.1% YoY
|
79.7%
-3.3% YoY
|
45% |
| Delinquency Rate |
1.1%
-46.5% YoY-34.8% QoQ
|
-0.4 |
1.6%
-3.1% YoY
|
2.1%
-15.0% YoY
|
1.3%
-2.1% YoY
|
63% |
| Loan To Share |
93.5%
-5.5% YoY-5.6% QoQ
|
+32.9% |
60.6%
-3.1% YoY
|
75.9%
+1.0% YoY
|
67.4%
-1.7% YoY
|
Top 7.8% in tier |
| AMR |
$13,836
+9.7% YoY+2.6% QoQ
|
$-947 |
$14,783
-1.4% YoY
|
$17,588
+4.6% YoY
|
$19,687
+2.0% YoY
|
50% |
| CD Concentration |
11.8%
+60.2% YoY+15.4% QoQ
|
-12.6% | 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)