BlastPoint's Credit Union Scorecard
ELECTEL COOPERATIVE
Charter #24819 · NC
ELECTEL COOPERATIVE has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.40% above tier average
- + Total Members: Top 4.5% in tier
- + Total Loans: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 0.51% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,465
+0.8% YoY0% QoQ
|
+4.8K |
2,615
-1.9% YoY
|
91,719
+6.9% YoY
|
33,374
+5.7% YoY
|
Top 4.5% in tier |
| Assets |
$65.3M
+3.1% YoY+1.3% QoQ
|
+$35.1M |
$30.1M
+2.1% YoY
|
$1.6B
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Top 14.6% in tier |
| Loans |
$40.8M
+4.0% YoY-0.4% QoQ
|
+$25.1M |
$15.8M
-1.3% YoY
|
$1.1B
+9.8% YoY
|
$397.0M
+8.8% YoY
|
Top 9.7% in tier |
| Deposits |
$56.6M
+3.3% YoY+1.4% QoQ
|
+$30.9M |
$25.7M
+1.4% YoY
|
$1.4B
+12.2% YoY
|
$477.3M
+9.7% YoY
|
Top 14.2% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.6%
-21.6% YoY-7.1% QoQ
|
+0.0% |
0.6%
+10.8% YoY
|
0.2%
-40.7% YoY
|
0.7%
+15.9% YoY
|
44% |
| NIM |
4.4%
-2.3% YoY+0.3% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
4.1%
+4.6% YoY
|
3.8%
+5.1% YoY
|
69% |
| Efficiency Ratio |
83.1%
+3.6% YoY-0.0% QoQ
|
+0.5% |
82.6%
-2.3% YoY
|
80.6%
-3.1% YoY
|
79.7%
-3.3% YoY
|
59% |
| Delinquency Rate |
0.4%
-51.9% YoY+40.6% QoQ
|
-1.2 |
1.6%
-3.1% YoY
|
2.1%
-15.0% YoY
|
1.3%
-2.1% YoY
|
34% |
| Loan To Share |
72.1%
+0.6% YoY-1.7% QoQ
|
+11.5% |
60.6%
-3.1% YoY
|
75.9%
+1.0% YoY
|
67.4%
-1.7% YoY
|
67% |
| AMR |
$13,053
+2.7% YoY+0.6% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$17,588
+4.6% YoY
|
$19,687
+2.0% YoY
|
46% |
| CD Concentration |
23.1%
+17.7% YoY+9.6% QoQ
|
-1.3% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.1% | 7.8% | 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)