BlastPoint's Credit Union Scorecard
LION'S SHARE
Charter #24813 · NC
2556 CUs in <100M nationally
31 in NC
LION'S SHARE has 5 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.07% above tier average
- + Total Members: Top 0.4% in tier
- + Total Loans: Top 3.5% in tier
- + Fee Income Per Member: Top 5.7% in tier
- + Loan-to-Share Ratio: Top 7.5% in tier
Key Concerns
Areas that may need attention
- - ROA 5.18% below tier average
- - Efficiency ratio 9.79% above tier (higher cost structure)
- - Member decline: -4.3% YoY
- - Net Worth Ratio: Bottom 0.2% in tier
- - Net Charge-Off Rate: Bottom 1.7% in tier
- - Indirect Auto Concentration (%): Bottom 9.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,480
-4.3% YoY+0.0% QoQ
|
+9.9K |
2,615
-1.9% YoY
|
91,719
+6.9% YoY
|
33,374
+5.7% YoY
|
Top 0.4% in tier |
| Assets |
$60.8M
-3.5% YoY-0.9% QoQ
|
+$30.6M |
$30.1M
+2.1% YoY
|
$1.6B
+12.6% YoY
|
$561.6M
+9.7% YoY
|
83% |
| Loans |
$55.1M
+8.0% YoY+4.0% QoQ
|
+$39.3M |
$15.8M
-1.3% YoY
|
$1.1B
+9.8% YoY
|
$397.0M
+8.8% YoY
|
Top 3.5% in tier |
| Deposits |
$58.7M
+0.9% YoY+1.0% QoQ
|
+$33.0M |
$25.7M
+1.4% YoY
|
$1.4B
+12.2% YoY
|
$477.3M
+9.7% YoY
|
Top 13.0% in tier |
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| ROA |
-4.6%
+165.0% YoY-2.7% QoQ
|
-5.2% |
0.6%
+10.8% YoY
|
0.2%
-40.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 1.1% in tier |
| NIM |
6.0%
+0.7% YoY+3.4% QoQ
|
+2.1% |
4.0%
+4.0% YoY
|
4.1%
+4.6% YoY
|
3.8%
+5.1% YoY
|
Top 3.8% in tier |
| Efficiency Ratio |
92.3%
+6.0% YoY+3.2% QoQ
|
+9.8% |
82.6%
-2.3% YoY
|
80.6%
-3.1% YoY
|
79.7%
-3.3% YoY
|
79% |
| Delinquency Rate |
1.3%
-77.0% YoY+33.3% QoQ
|
-0.2 |
1.6%
-3.1% YoY
|
2.1%
-15.0% YoY
|
1.3%
-2.1% YoY
|
67% |
| Loan To Share |
93.8%
+7.0% YoY+2.9% QoQ
|
+33.2% |
60.6%
-3.1% YoY
|
75.9%
+1.0% YoY
|
67.4%
-1.7% YoY
|
Top 7.6% in tier |
| AMR |
$9,117
+8.9% YoY+2.4% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$17,588
+4.6% YoY
|
$19,687
+2.0% YoY
|
24% |
| CD Concentration |
24.2%
+24.6% YoY+7.5% QoQ
|
-0.3% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % |
10.2%
+27.1% YoY-1.4% QoQ
|
-3.6% | 13.8% | 5.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (10 metrics)
10
Total Members
engagement
Value:
12,480
Peer Median: -
#10 of 2556
Top 0.4% in <100M tier
90
Total Loans
balance_sheet
Value:
$55.07M
Peer Median: -
#90 of 2556
Top 3.5% in <100M tier
96
Net Interest Margin (NIM)
profitability
Value:
6.02%
Peer Median: -
#96 of 2556
Top 3.7% in <100M tier
146
Fee Income Per Member
profitability
Value:
$210.02
Peer Median: -
#146 of 2556
Top 5.7% in <100M tier
193
Loan-to-Share Ratio
balance_sheet
Value:
93.80%
Peer Median: -
#193 of 2556
Top 7.5% in <100M tier
303
AMR Growth Rate
growth
Value:
8.95%
Peer Median: -
#303 of 2556
Top 11.8% in <100M tier
333
Total Deposits
balance_sheet
Value:
$58.71M
Peer Median: -
#333 of 2556
Top 13.0% in <100M tier
362
Loan Growth Rate
growth
Value:
7.99%
Peer Median: -
#362 of 2556
Top 14.1% in <100M tier
430
Total Assets
balance_sheet
Value:
$60.75M
Peer Median: -
#430 of 2556
Top 16.8% in <100M tier
610
Members Per Employee (MPE)
engagement
Value:
430.345
Peer Median: -
#610 of 2556
Top 23.8% in <100M tier
Top Weaknesses (8 metrics)
2552
Net Worth Ratio
risk
Value:
3.53%
Peer Median: -
#2552 of 2556
Bottom 0.2% in <100M tier
2527
Return on Assets (ROA)
profitability
Value:
-4.56%
Peer Median: -
#2527 of 2556
Bottom 1.2% in <100M tier
2513
Net Charge-Off Rate
risk
Value:
4.85%
Peer Median: -
#2513 of 2556
Bottom 1.7% in <100M tier
2326
Indirect Auto Concentration (%)
balance_sheet
Value:
10.17%
Peer Median: -
#2326 of 2556
Bottom 9.0% in <100M tier
2069
Asset Growth Rate
growth
Value:
-3.48%
Peer Median: -
#2069 of 2556
Bottom 19.1% in <100M tier
2031
Member Growth Rate
growth
Value:
-4.33%
Peer Median: -
#2031 of 2556
Bottom 20.6% in <100M tier
2023
Efficiency Ratio
profitability
Value:
92.35%
Peer Median: -
#2023 of 2556
Bottom 20.9% in <100M tier
1946
Average Member Relationship (AMR)
engagement
Value:
$9,117
Peer Median: -
#1946 of 2556
Bottom 23.9% in <100M tier