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 0.12% above tier average
- + Total Members: Top 4.4% in tier
- + Total Loans: Top 8.7% in tier
- + Members Per Employee (MPE): Top 9.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.38% below tier average
- - Efficiency ratio 4.19% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,381
-1.7% YoY-1.1% QoQ
|
+4.7K |
2,676
+1.6% YoY
|
91,843
+3.2% YoY
|
33,913
+5.7% YoY
|
Top 4.5% in tier |
| Assets |
$66.5M
+2.5% YoY+2.0% QoQ
|
+$36.3M |
$30.2M
+1.3% YoY
|
$1.6B
+7.7% YoY
|
$578.3M
+9.0% YoY
|
Top 13.6% in tier |
| Loans |
$41.1M
+2.8% YoY+0.8% QoQ
|
+$25.9M |
$15.3M
-2.0% YoY
|
$1.1B
+5.7% YoY
|
$402.4M
+8.7% YoY
|
Top 8.7% in tier |
| Deposits |
$57.9M
+2.7% YoY+2.3% QoQ
|
+$32.1M |
$25.8M
+0.7% YoY
|
$1.4B
+7.2% YoY
|
$494.3M
+9.1% YoY
|
Top 13.2% in tier |
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| ROA |
-0.2%
-114.9% YoY-139.0% QoQ
|
-0.4% |
0.1%
-77.6% YoY
|
0.4%
+21.7% YoY
|
0.4%
-39.2% YoY
|
17% |
| NIM |
4.1%
-4.7% YoY-5.1% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
4.0%
+0.2% YoY
|
3.8%
+4.1% YoY
|
64% |
| Efficiency Ratio |
94.8%
+30.4% YoY+14.2% QoQ
|
+4.2% |
90.6%
+6.5% YoY
|
84.1%
+2.7% YoY
|
84.6%
+2.8% YoY
|
78% |
| Delinquency Rate |
0.2%
-35.0% YoY-37.9% QoQ
|
-1.3 |
1.5%
+3.8% YoY
|
1.3%
-24.7% YoY
|
1.2%
+3.4% YoY
|
30% |
| Loan To Share |
71.0%
+0.1% YoY-1.5% QoQ
|
+12.5% |
58.5%
-3.0% YoY
|
74.3%
+0.8% YoY
|
65.6%
-1.4% YoY
|
69% |
| AMR |
$13,424
+4.5% YoY+2.8% QoQ
|
$-1K |
$14,884
-1.7% YoY
|
$17,856
+2.9% YoY
|
$19,920
+1.6% YoY
|
47% |
| CD Concentration |
19.2%
-7.9% YoY-16.8% QoQ
|
-5.0% | 24.3% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.9% | 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)