BlastPoint's Credit Union Scorecard
LION'S SHARE
Charter #24813 · NC
LION'S SHARE has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.50% above tier average
- + Total Members: Top 0.6% in tier
- + Total Loans: Top 4.1% in tier
- + Fee Income Per Member: Top 4.7% in tier
- + AMR Growth Rate: Top 8.2% in tier
Key Concerns
Areas that may need attention
- - ROA 1.32% below tier average
- - Member decline: -5.8% YoY
- - Net Worth Ratio: Bottom 0.4% in tier
- - Net Charge-Off Rate: Bottom 5.7% in tier
- - Indirect Auto Concentration (%): Bottom 9.2% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 31 that size in North Carolina.
- Shares and deposits +3.4% year over year ($62.2M in shares and deposits).
- Membership: 12,625 members, -5.8% vs a year ago.
- Delinquency rate 1.26%.
- Return on assets 0.17%.
- Efficiency ratio 81.90% vs a 88.77% peer average.
- Loan-to-share ratio 85.62% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,625
-5.8% YoY+0.4% QoQ
|
+10.0K |
2,585
-1.7% YoY
|
91,933
+2.2% YoY
|
34,678
+6.6% YoY
|
Top 0.6% in tier |
| Assets |
$64.7M
-0.1% YoY-1.9% QoQ
|
+$34.4M |
$30.3M
+1.5% YoY
|
$1.6B
+7.2% YoY
|
$593.1M
+10.2% YoY
|
Top 14.8% in tier |
| Loans |
$53.2M
+6.0% YoY-0.8% QoQ
|
+$37.8M |
$15.5M
-1.7% YoY
|
$1.1B
+5.6% YoY
|
$418.6M
+10.1% YoY
|
Top 4.1% in tier |
| Deposits |
$62.2M
+3.4% YoY-2.2% QoQ
|
+$36.4M |
$25.8M
+1.1% YoY
|
$1.4B
+7.1% YoY
|
$504.8M
+10.3% YoY
|
Top 11.2% in tier |
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| ROA |
0.2%
-106.0% YoY-128.1% QoQ
|
-1.3% |
1.5%
+241.5% YoY
|
0.9%
+189.6% YoY
|
1.2%
+121.4% YoY
|
Bottom 10.8% in tier |
| NIM |
5.4%
-5.7% YoY+2.3% QoQ
|
+1.5% |
3.9%
+0.9% YoY
|
4.0%
+0.2% YoY
|
3.8%
+2.3% YoY
|
Top 6.9% in tier |
| Efficiency Ratio |
81.9%
-4.7% YoY-6.0% QoQ
|
-6.9% |
88.8%
-6.9% YoY
|
83.1%
+0.7% YoY
|
83.0%
-5.3% YoY
|
53% |
| Delinquency Rate |
1.3%
-58.7% YoY+19.7% QoQ
|
-0.3 |
1.5%
+2.1% YoY
|
1.5%
+12.0% YoY
|
1.3%
+2.6% YoY
|
67% |
| Loan To Share |
85.6%
+2.5% YoY+1.4% QoQ
|
+26.7% |
58.9%
-3.1% YoY
|
74.9%
+0.0% YoY
|
66.4%
-1.4% YoY
|
Top 13.5% in tier |
| AMR |
$9,142
+11.0% YoY-1.9% QoQ
|
$-6K |
$14,963
-6.8% YoY
|
$17,976
+4.0% YoY
|
$20,028
-0.9% YoY
|
24% |
| CD Concentration |
23.6%
+11.6% YoY+3.5% QoQ
|
-1.0% | 24.6% | 21.4% | 20.0% | 50% |
| Indirect Auto % |
8.6%
+9.6% YoY-17.2% QoQ
|
-5.0% | 13.6% | 4.6% | 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)