BlastPoint's Credit Union Scorecard
REVITY
Charter #24840 · NC
REVITY has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Loans: Top 4.9% in tier
- + Total Deposits: Top 6.3% in tier
- + Total Assets: Top 7.3% in tier
- + Fee Income Per Member: Top 7.5% in tier
- + Total Members: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 1.74% below tier average
- - Efficiency ratio 22.84% above tier (higher cost structure)
- - Delinquency rate 0.27% above tier average
- - Net Charge-Off Rate: Bottom 7.8% in tier
- - Net Worth Ratio: Bottom 7.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,884
-1.6% YoY-0.5% QoQ
|
+3.3K |
2,615
-1.9% YoY
|
91,719
+6.9% YoY
|
33,374
+5.7% YoY
|
Top 9.5% in tier |
| Assets |
$81.1M
+1.1% YoY+2.5% QoQ
|
+$50.9M |
$30.1M
+2.1% YoY
|
$1.6B
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Top 7.3% in tier |
| Loans |
$51.5M
-8.0% YoY-1.3% QoQ
|
+$35.8M |
$15.8M
-1.3% YoY
|
$1.1B
+9.8% YoY
|
$397.0M
+8.8% YoY
|
Top 5.0% in tier |
| Deposits |
$71.4M
+2.6% YoY+3.5% QoQ
|
+$45.7M |
$25.7M
+1.4% YoY
|
$1.4B
+12.2% YoY
|
$477.3M
+9.7% YoY
|
Top 6.4% in tier |
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| ROA |
-1.1%
+1569.2% YoY+100.2% QoQ
|
-1.7% |
0.6%
+10.8% YoY
|
0.2%
-40.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 5.4% in tier |
| NIM |
3.6%
-5.5% YoY-0.2% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
4.1%
+4.6% YoY
|
3.8%
+5.1% YoY
|
39% |
| Efficiency Ratio |
105.4%
+18.6% YoY+0.9% QoQ
|
+22.8% |
82.6%
-2.3% YoY
|
80.6%
-3.1% YoY
|
79.7%
-3.3% YoY
|
Top 8.1% in tier |
| Delinquency Rate |
1.8%
+10.6% YoY-28.3% QoQ
|
+0.3 |
1.6%
-3.1% YoY
|
2.1%
-15.0% YoY
|
1.3%
-2.1% YoY
|
76% |
| Loan To Share |
72.2%
-10.3% YoY-4.7% QoQ
|
+11.6% |
60.6%
-3.1% YoY
|
75.9%
+1.0% YoY
|
67.4%
-1.7% YoY
|
67% |
| AMR |
$20,892
-0.5% YoY+2.0% QoQ
|
+$6K |
$14,783
-1.4% YoY
|
$17,588
+4.6% YoY
|
$19,687
+2.0% YoY
|
82% |
| CD Concentration |
28.9%
+12.9% YoY+2.2% QoQ
|
+4.4% | 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)