BlastPoint's Credit Union Scorecard
REVITY
Charter #24840 · NC
REVITY has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Loans: Top 4.5% in tier
- + Total Deposits: Top 7.2% in tier
- + Total Assets: Top 7.9% in tier
- + Fee Income Per Member: Top 8.5% in tier
- + Total Members: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - ROA 1.24% below tier average
- - Efficiency ratio 23.08% above tier (higher cost structure)
- - Delinquency rate 1.04% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,916
-1.9% YoY-0.8% QoQ
|
+3.3K |
2,625
-2.2% YoY
|
91,841
+6.6% YoY
|
33,089
+6.1% YoY
|
Top 9.6% in tier |
| Assets |
$79.1M
-2.3% YoY-2.4% QoQ
|
+$49.3M |
$29.9M
+1.1% YoY
|
$1.5B
+5.5% YoY
|
$547.7M
+7.8% YoY
|
Top 7.9% in tier |
| Loans |
$52.2M
-7.8% YoY-2.7% QoQ
|
+$36.5M |
$15.8M
-2.4% YoY
|
$1.1B
+9.9% YoY
|
$388.7M
+8.6% YoY
|
Top 4.5% in tier |
| Deposits |
$69.0M
-2.1% YoY-2.1% QoQ
|
+$43.5M |
$25.5M
+0.4% YoY
|
$1.3B
+12.1% YoY
|
$464.6M
+9.3% YoY
|
Top 7.3% in tier |
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| ROA |
-0.6%
-444.3% YoY+24.6% QoQ
|
-1.2% |
0.7%
-731.4% YoY
|
0.4%
-19.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 8.4% in tier |
| NIM |
3.6%
-7.0% YoY+3.6% QoQ
|
-0.3% |
3.9%
+3.8% YoY
|
4.1%
+4.0% YoY
|
3.7%
+5.0% YoY
|
39% |
| Efficiency Ratio |
104.5%
+19.6% YoY+1.2% QoQ
|
+23.1% |
81.4%
-2.4% YoY
|
81.5%
-1.2% YoY
|
79.1%
-3.3% YoY
|
Top 8.7% in tier |
| Delinquency Rate |
2.5%
+20.6% YoY+39.6% QoQ
|
+1.0 |
1.5%
-2.0% YoY
|
1.5%
+2.4% YoY
|
1.2%
-0.9% YoY
|
Top 14.9% in tier |
| Loan To Share |
75.8%
-5.8% YoY-0.6% QoQ
|
+14.5% |
61.2%
-3.0% YoY
|
76.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
71% |
| AMR |
$20,488
-2.8% YoY-1.5% QoQ
|
+$6K |
$14,627
-2.7% YoY
|
$17,441
+4.0% YoY
|
$19,418
+1.3% YoY
|
81% |
| CD Concentration |
28.2%
+10.6% YoY+5.2% QoQ
|
+3.8% |
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)