BlastPoint's Credit Union Scorecard
WINSTON-SALEM
Charter #24814 · NC
WINSTON-SALEM has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.56% above tier average
- + Total Members: Top 3.0% in tier
- + Fee Income Per Member: Top 7.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.41% below tier average
- - Efficiency ratio 7.36% above tier (higher cost structure)
- - Delinquency rate 1.00% above tier average
- - Member decline: -6.9% YoY
- - AMR Growth Rate: Bottom 0.1% in tier
- - Member Growth Rate: Bottom 0.1% in tier
- - Asset Growth Rate: Bottom 0.1% in tier
- - Loan Growth Rate: Bottom 0.1% in tier
Core Metrics
As of 2024-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,481
-6.9% YoY-4.6% QoQ
|
+5.8K |
2,666
-1.5% YoY
|
85,777
+5.4% YoY
|
31,574
+5.6% YoY
|
Top 3.1% in tier |
| Assets |
$60.5M
+1.5% YoY-0.6% QoQ
|
+$31.0M |
$29.5M
+0.5% YoY
|
$1.4B
+2.7% YoY
|
$512.2M
+5.7% YoY
|
84% |
| Loans |
$18.7M
-7.8% YoY-2.2% QoQ
|
+$2.8M |
$16.0M
-1.8% YoY
|
$979.1M
+7.4% YoY
|
$364.9M
+6.1% YoY
|
68% |
| Deposits |
$53.1M
+2.6% YoY-0.4% QoQ
|
+$27.8M |
$25.3M
-0.1% YoY
|
$1.2B
+9.4% YoY
|
$435.0M
+7.6% YoY
|
84% |
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| ROA |
0.1%
-264.7% YoY
|
-0.4% |
0.6%
-116.4% YoY
|
0.4%
-30.8% YoY
|
0.6%
-131.7% YoY
|
25% |
| NIM |
4.4%
-2.1% YoY+0.6% QoQ
|
+0.6% |
3.8%
+96.9% YoY
|
4.0%
+6.3% YoY
|
3.6%
+50.3% YoY
|
72% |
| Efficiency Ratio |
91.9%
+1.1% YoY-0.3% QoQ
|
+7.4% |
84.5%
-2.9% YoY
|
83.2%
-17.8% YoY
|
82.3%
-1.8% YoY
|
77% |
| Delinquency Rate |
2.6%
+61.7% YoY+7.7% QoQ
|
+1.0 |
1.6%
+6.3% YoY
|
2.4%
+121.3% YoY
|
1.3%
+8.3% YoY
|
Bottom 15.0% in tier |
| Loan To Share |
35.3%
-10.1% YoY-1.8% QoQ
|
-27.3% |
62.6%
-1.1% YoY
|
75.2%
-0.8% YoY
|
68.6%
-1.2% YoY
|
Bottom 13.8% in tier |
| AMR |
$8,477
+7.1% YoY+3.9% QoQ
|
$-7K |
$14,991
+4.6% YoY
|
$16,820
+1.5% YoY
|
$19,294
+3.8% YoY
|
21% |
| CD Concentration |
23.0%
+31.9% YoY+4.7% QoQ
|
- | - | - | - | 50% |
| Indirect Auto % | 0.0% | - | - | - | - | 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)