BlastPoint's Credit Union Scorecard
LION'S SHARE
Charter #24813 · NC
<100M
2508 CUs in <100M nationally
31 in NC
LION'S SHARE has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.28% above tier average
- + Total Members: Top 0.4% in tier
- + Total Loans: Top 3.4% in tier
- + AMR Growth Rate: Top 5.3% in tier
- + Fee Income Per Member: Top 5.3% in tier
- + Loan Growth Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.75% below tier average
- - Member decline: -5.2% YoY
- - Net Worth Ratio: Bottom 0.3% in tier
- - Net Charge-Off Rate: Bottom 7.1% in tier
- - Indirect Auto Concentration (%): Bottom 8.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,578
-5.2% YoY+0.8% QoQ
|
+9.9K |
2,676
+1.6% YoY
|
91,843
+3.2% YoY
|
33,913
+5.7% YoY
|
Top 0.5% in tier |
| Assets |
$65.9M
+0.9% YoY+8.5% QoQ
|
+$35.7M |
$30.2M
+1.3% YoY
|
$1.6B
+7.7% YoY
|
$578.3M
+9.0% YoY
|
Top 14.1% in tier |
| Loans |
$53.7M
+11.6% YoY-2.5% QoQ
|
+$38.4M |
$15.3M
-2.0% YoY
|
$1.1B
+5.7% YoY
|
$402.4M
+8.7% YoY
|
Top 3.5% in tier |
| Deposits |
$63.6M
+4.4% YoY+8.3% QoQ
|
+$37.8M |
$25.8M
+0.7% YoY
|
$1.4B
+7.2% YoY
|
$494.3M
+9.1% YoY
|
Top 10.2% in tier |
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| ROA |
-0.6%
-90.0% YoY-86.7% QoQ
|
-0.8% |
0.1%
-77.6% YoY
|
0.4%
+21.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 12.2% in tier |
| NIM |
5.3%
-9.4% YoY-12.2% QoQ
|
+1.3% |
4.0%
+4.0% YoY
|
4.0%
+0.2% YoY
|
3.8%
+4.1% YoY
|
Top 8.2% in tier |
| Efficiency Ratio |
87.1%
+4.8% YoY-5.7% QoQ
|
-3.5% |
90.6%
+6.5% YoY
|
84.1%
+2.7% YoY
|
84.6%
+2.8% YoY
|
63% |
| Delinquency Rate |
1.1%
-62.5% YoY-19.5% QoQ
|
-0.5 |
1.5%
+3.8% YoY
|
1.3%
-24.7% YoY
|
1.2%
+3.4% YoY
|
65% |
| Loan To Share |
84.4%
+6.9% YoY-10.0% QoQ
|
+25.9% |
58.5%
-3.0% YoY
|
74.3%
+0.8% YoY
|
65.6%
-1.4% YoY
|
Top 13.4% in tier |
| AMR |
$9,323
+13.5% YoY+2.3% QoQ
|
$-6K |
$14,884
-1.7% YoY
|
$17,856
+2.9% YoY
|
$19,920
+1.6% YoY
|
24% |
| CD Concentration |
22.8%
+15.9% YoY-5.7% QoQ
|
-1.5% | 24.3% | 21.2% | 19.8% | 50% |
| Indirect Auto % |
10.4%
+40.6% YoY+2.6% QoQ
|
-3.4% | 13.8% | 4.9% | 7.7% | 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)
12
Total Members
engagement
Value:
12,578
Peer Median: 1,918
#12 of 2508
Top 0.4% in <100M tier
87
Total Loans
balance_sheet
Value:
$53.68M
Peer Median: $9.48M
#87 of 2508
Top 3.4% in <100M tier
134
AMR Growth Rate
growth
Value:
13.50%
Peer Median: 1.27%
#134 of 2508
Top 5.3% in <100M tier
135
Fee Income Per Member
profitability
Value:
$195.78
Peer Median: $60.42
#135 of 2508
Top 5.3% in <100M tier
204
Loan Growth Rate
growth
Value:
11.64%
Peer Median: -2.36%
#204 of 2508
Top 8.1% in <100M tier
205
Net Interest Margin (NIM)
profitability
Value:
5.28%
Peer Median: 3.83%
#205 of 2508
Top 8.1% in <100M tier
257
Total Deposits
balance_sheet
Value:
$63.58M
Peer Median: $18.77M
#257 of 2508
Top 10.2% in <100M tier
335
Loan-to-Share Ratio
balance_sheet
Value:
84.42%
Peer Median: 58.72%
#335 of 2508
Top 13.3% in <100M tier
353
Total Assets
balance_sheet
Value:
$65.92M
Peer Median: $21.86M
#353 of 2508
Top 14.0% in <100M tier
353
Members Per Employee (MPE)
engagement
Value:
503.120
Peer Median: 333.750
#353 of 2508
Top 14.0% in <100M tier
Top Weaknesses (6 metrics)
2501
Net Worth Ratio
risk
Value:
3.10%
Peer Median: 14.28%
#2501 of 2508
Bottom 0.3% in <100M tier
2332
Net Charge-Off Rate
risk
Value:
1.87%
Peer Median: 0.07%
#2332 of 2508
Bottom 7.1% in <100M tier
2298
Indirect Auto Concentration (%)
balance_sheet
Value:
10.44%
Peer Median: 0.00%
#2298 of 2508
Bottom 8.4% in <100M tier
2202
Return on Assets (ROA)
profitability
Value:
-0.61%
Peer Median: 0.61%
#2202 of 2508
Bottom 12.2% in <100M tier
2100
Member Growth Rate
growth
Value:
-5.19%
Peer Median: -1.37%
#2100 of 2508
Bottom 16.3% in <100M tier
1893
Average Member Relationship (AMR)
engagement
Value:
$9,323
Peer Median: $13,926
#1893 of 2508
Bottom 24.6% in <100M tier