BlastPoint's Credit Union Scorecard
LION'S SHARE
Charter #24813 · NC
2596 CUs in <100M nationally
32 in NC
LION'S SHARE has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.89% above tier average
- + Total Members: Top 0.4% in tier
- + Total Loans: Top 4.2% in tier
- + Fee Income Per Member: Top 4.8% in tier
- + Loan-to-Share Ratio: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - ROA 5.37% below tier average
- - Efficiency ratio 8.10% above tier (higher cost structure)
- - Member decline: -2.9% YoY
- - Net Worth Ratio: Bottom 0.5% in tier
- - Net Charge-Off Rate: Bottom 1.5% in tier
- - Asset Growth Rate: Bottom 2.7% in tier
- - Deposit Growth Rate: Bottom 7.4% in tier
- - Indirect Auto Concentration (%): Bottom 9.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,478
-2.9% YoY-6.9% QoQ
|
+9.9K |
2,625
-2.2% YoY
|
91,841
+6.6% YoY
|
33,089
+6.1% YoY
|
Top 0.5% in tier |
| Assets |
$61.3M
-13.3% YoY-5.3% QoQ
|
+$31.4M |
$29.9M
+1.1% YoY
|
$1.5B
+5.5% YoY
|
$547.7M
+7.8% YoY
|
84% |
| Loans |
$53.0M
+0.3% YoY+5.4% QoQ
|
+$37.2M |
$15.8M
-2.4% YoY
|
$1.1B
+9.9% YoY
|
$388.7M
+8.6% YoY
|
Top 4.2% in tier |
| Deposits |
$58.1M
-10.0% YoY-3.4% QoQ
|
+$32.7M |
$25.5M
+0.4% YoY
|
$1.3B
+12.1% YoY
|
$464.6M
+9.3% YoY
|
Top 12.8% in tier |
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| ROA |
-4.7%
+180.1% YoY+66.7% QoQ
|
-5.4% |
0.7%
-731.4% YoY
|
0.4%
-19.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 1.1% in tier |
| NIM |
5.8%
+1.4% YoY+1.6% QoQ
|
+1.9% |
3.9%
+3.8% YoY
|
4.1%
+4.0% YoY
|
3.7%
+5.0% YoY
|
Top 5.2% in tier |
| Efficiency Ratio |
89.5%
+7.6% YoY+4.1% QoQ
|
+8.1% |
81.4%
-2.4% YoY
|
81.5%
-1.2% YoY
|
79.1%
-3.3% YoY
|
76% |
| Delinquency Rate |
1.0%
-80.9% YoY-67.9% QoQ
|
-0.5 |
1.5%
-2.0% YoY
|
1.5%
+2.4% YoY
|
1.2%
-0.9% YoY
|
61% |
| Loan To Share |
91.1%
+11.5% YoY+9.1% QoQ
|
+29.9% |
61.2%
-3.0% YoY
|
76.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
Top 10.0% in tier |
| AMR |
$8,902
-2.6% YoY+8.1% QoQ
|
$-6K |
$14,627
-2.7% YoY
|
$17,441
+4.0% YoY
|
$19,418
+1.3% YoY
|
24% |
| CD Concentration |
22.5%
-6.8% YoY+6.4% QoQ
|
-1.9% |
24.4%
+4.2% YoY
|
20.6%
+2.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
10.3%
+22.8% YoY+30.8% QoQ
|
-3.7% |
14.0%
-5.7% YoY
|
5.3%
-2.9% YoY
|
7.9%
-2.9% YoY
|
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 (8 metrics)
12
Total Members
engagement
Value:
12,478
Peer Avg: -
#12 of 2596
Top 0.4% in <100M tier
109
Total Loans
balance_sheet
Value:
$52.97M
Peer Avg: -
#109 of 2596
Top 4.2% in <100M tier
126
Fee Income Per Member
profitability
Value:
$221.94
Peer Avg: -
#126 of 2596
Top 4.8% in <100M tier
134
Net Interest Margin (NIM)
profitability
Value:
5.82%
Peer Avg: -
#134 of 2596
Top 5.1% in <100M tier
256
Loan-to-Share Ratio
balance_sheet
Value:
91.14%
Peer Avg: -
#256 of 2596
Top 9.8% in <100M tier
331
Total Deposits
balance_sheet
Value:
$58.12M
Peer Avg: -
#331 of 2596
Top 12.7% in <100M tier
426
Total Assets
balance_sheet
Value:
$61.29M
Peer Avg: -
#426 of 2596
Top 16.4% in <100M tier
609
Members Per Employee (MPE)
engagement
Value:
430.276
Peer Avg: -
#609 of 2596
Top 23.4% in <100M tier
Top Weaknesses (8 metrics)
2583
Net Worth Ratio
risk
Value:
4.77%
Peer Avg: -
#2583 of 2596
Bottom 0.5% in <100M tier
2567
Return on Assets (ROA)
profitability
Value:
-4.68%
Peer Avg: -
#2567 of 2596
Bottom 1.2% in <100M tier
2559
Net Charge-Off Rate
risk
Value:
5.18%
Peer Avg: -
#2559 of 2596
Bottom 1.5% in <100M tier
2528
Asset Growth Rate
growth
Value:
-13.25%
Peer Avg: -
#2528 of 2596
Bottom 2.7% in <100M tier
2406
Deposit Growth Rate
growth
Value:
-10.02%
Peer Avg: -
#2406 of 2596
Bottom 7.4% in <100M tier
2357
Indirect Auto Concentration (%)
balance_sheet
Value:
10.32%
Peer Avg: -
#2357 of 2596
Bottom 9.2% in <100M tier
1986
Average Member Relationship (AMR)
engagement
Value:
$8,902
Peer Avg: -
#1986 of 2596
Bottom 23.5% in <100M tier
1963
Efficiency Ratio
profitability
Value:
89.49%
Peer Avg: -
#1963 of 2596
Bottom 24.4% in <100M tier