BlastPoint's Credit Union Scorecard
INTERNAL REVENUE EMPLOYEES
Charter #3685 · NC
INTERNAL REVENUE EMPLOYEES has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.12% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 7.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.1% YoY
- - Deposit Growth Rate: Bottom 2.6% in tier
- - Asset Growth Rate: Bottom 4.4% in tier
- - AMR Growth Rate: Bottom 5.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
727
-3.1% YoY+0.8% QoQ
|
-1.9K |
2,625
-2.2% YoY
|
91,841
+6.6% YoY
|
33,089
+6.1% YoY
|
21% |
| Assets |
$12.5M
-11.2% YoY+1.0% QoQ
|
$-17.4M |
$29.9M
+1.1% YoY
|
$1.5B
+5.5% YoY
|
$547.7M
+7.8% YoY
|
37% |
| Loans |
$3.0M
-14.8% YoY-1.8% QoQ
|
$-12.8M |
$15.8M
-2.4% YoY
|
$1.1B
+9.9% YoY
|
$388.7M
+8.6% YoY
|
24% |
| Deposits |
$8.9M
-15.8% YoY+1.3% QoQ
|
$-16.6M |
$25.5M
+0.4% YoY
|
$1.3B
+12.1% YoY
|
$464.6M
+9.3% YoY
|
34% |
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| ROA |
0.8%
+34.7% YoY-6.0% QoQ
|
+0.1% |
0.7%
-731.4% YoY
|
0.4%
-19.0% YoY
|
0.7%
+273.4% YoY
|
52% |
| NIM |
2.9%
+17.8% YoY-0.5% QoQ
|
-1.0% |
3.9%
+3.8% YoY
|
4.1%
+4.0% YoY
|
3.7%
+5.0% YoY
|
15% |
| Efficiency Ratio |
72.6%
+0.5% YoY+2.2% QoQ
|
-8.8% |
81.4%
-2.4% YoY
|
81.5%
-1.2% YoY
|
79.1%
-3.3% YoY
|
36% |
| Delinquency Rate |
0.0%
-78.4% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
1.5%
+2.4% YoY
|
1.2%
-0.9% YoY
|
16% |
| Loan To Share |
33.6%
+1.1% YoY-3.1% QoQ
|
-27.6% |
61.2%
-3.0% YoY
|
76.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
Bottom 12.9% in tier |
| AMR |
$16,295
-12.9% YoY-0.4% QoQ
|
+$2K |
$14,627
-2.7% YoY
|
$17,441
+4.0% YoY
|
$19,418
+1.3% YoY
|
64% |
| CD Concentration | 0.0% | -24.4% |
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)