BlastPoint's Credit Union Scorecard
ELECTEL COOPERATIVE
Charter #24819 · NC
ELECTEL COOPERATIVE has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.19% above tier average
- + Total Members: Top 3.9% in tier
- + Members Per Employee (MPE): Top 5.2% in tier
- + Total Loans: Top 8.7% in tier
Key Concerns
Areas that may need attention
- - ROA 1.49% below tier average
- - Efficiency ratio 0.37% above tier (higher cost structure)
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 +8.5% year over year ($59.9M in shares and deposits).
- Membership: 7,480 members, -0.0% vs a year ago.
- Delinquency rate 0.37%.
- Return on assets 0.01%.
- Efficiency ratio 89.14% vs a 88.77% peer average.
- Loan-to-share ratio 70.56% 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 |
7,480
-0.0% YoY+1.3% QoQ
|
+4.9K |
2,585
-1.7% YoY
|
91,933
+2.2% YoY
|
34,678
+6.6% YoY
|
Top 4.0% in tier |
| Assets |
$68.2M
+7.0% YoY+2.5% QoQ
|
+$37.9M |
$30.3M
+1.5% YoY
|
$1.6B
+7.2% YoY
|
$593.1M
+10.2% YoY
|
Top 13.5% in tier |
| Loans |
$42.3M
+4.6% YoY+2.7% QoQ
|
+$26.8M |
$15.5M
-1.7% YoY
|
$1.1B
+5.6% YoY
|
$418.6M
+10.1% YoY
|
Top 8.7% in tier |
| Deposits |
$59.9M
+8.5% YoY+3.4% QoQ
|
+$34.1M |
$25.8M
+1.1% YoY
|
$1.4B
+7.1% YoY
|
$504.8M
+10.3% YoY
|
Top 12.4% in tier |
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| ROA |
0.0%
-99.4% YoY-102.7% QoQ
|
-1.5% |
1.5%
+241.5% YoY
|
0.9%
+189.6% YoY
|
1.2%
+121.4% YoY
|
Bottom 0.4% in tier |
| NIM |
4.1%
-4.1% YoY-0.9% QoQ
|
+0.2% |
3.9%
+0.9% YoY
|
4.0%
+0.2% YoY
|
3.8%
+2.3% YoY
|
60% |
| Efficiency Ratio |
89.1%
+9.8% YoY-6.0% QoQ
|
+0.4% |
88.8%
-6.9% YoY
|
83.1%
+0.7% YoY
|
83.0%
-5.3% YoY
|
70% |
| Delinquency Rate |
0.4%
-4.7% YoY+69.0% QoQ
|
-1.2 |
1.5%
+2.1% YoY
|
1.5%
+12.0% YoY
|
1.3%
+2.6% YoY
|
35% |
| Loan To Share |
70.6%
-3.6% YoY-0.7% QoQ
|
+11.7% |
58.9%
-3.1% YoY
|
74.9%
+0.0% YoY
|
66.4%
-1.4% YoY
|
68% |
| AMR |
$13,657
+6.9% YoY+1.7% QoQ
|
$-1K |
$14,963
-6.8% YoY
|
$17,976
+4.0% YoY
|
$20,028
-0.9% YoY
|
48% |
| CD Concentration |
23.4%
+6.9% YoY+21.8% QoQ
|
-1.1% | 24.6% | 21.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 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)