BlastPoint's Credit Union Scorecard
ELECTEL COOPERATIVE
Charter #24819 · NC
ELECTEL COOPERATIVE has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.41% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Total Members: Top 4.5% in tier
- + Members Per Employee (MPE): Top 6.7% in tier
- + Total Loans: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.05% below tier average
- - Efficiency ratio 1.70% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,465
-1.1% YoY-0.2% QoQ
|
+4.8K |
2,625
-2.2% YoY
|
91,841
+6.6% YoY
|
33,089
+6.1% YoY
|
Top 4.6% in tier |
| Assets |
$64.4M
+2.4% YoY+1.1% QoQ
|
+$34.6M |
$29.9M
+1.1% YoY
|
$1.5B
+5.5% YoY
|
$547.7M
+7.8% YoY
|
Top 14.9% in tier |
| Loans |
$41.0M
+3.8% YoY+1.5% QoQ
|
+$25.2M |
$15.8M
-2.4% YoY
|
$1.1B
+9.9% YoY
|
$388.7M
+8.6% YoY
|
Top 9.9% in tier |
| Deposits |
$55.9M
+2.5% YoY+1.2% QoQ
|
+$30.4M |
$25.5M
+0.4% YoY
|
$1.3B
+12.1% YoY
|
$464.6M
+9.3% YoY
|
Top 14.4% in tier |
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| ROA |
0.6%
-11.8% YoY-33.0% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.4%
-19.0% YoY
|
0.7%
+273.4% YoY
|
43% |
| NIM |
4.3%
-4.0% YoY+1.8% QoQ
|
+0.4% |
3.9%
+3.8% YoY
|
4.1%
+4.0% YoY
|
3.7%
+5.0% YoY
|
68% |
| Efficiency Ratio |
83.1%
+3.4% YoY+2.3% QoQ
|
+1.7% |
81.4%
-2.4% YoY
|
81.5%
-1.2% YoY
|
79.1%
-3.3% YoY
|
62% |
| Delinquency Rate |
0.3%
-48.4% YoY-35.4% QoQ
|
-1.3 |
1.5%
-2.0% YoY
|
1.5%
+2.4% YoY
|
1.2%
-0.9% YoY
|
30% |
| Loan To Share |
73.4%
+1.3% YoY+0.2% QoQ
|
+12.1% |
61.2%
-3.0% YoY
|
76.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
68% |
| AMR |
$12,971
+4.2% YoY+1.5% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$17,441
+4.0% YoY
|
$19,418
+1.3% YoY
|
46% |
| CD Concentration |
21.1%
+20.0% YoY-3.7% QoQ
|
-3.3% |
24.4%
+4.2% YoY
|
20.6%
+2.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.3%
-2.9% YoY
|
7.9%
-2.9% YoY
|
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)