BlastPoint's Credit Union Scorecard
INTERNAL REVENUE EMPLOYEES
Charter #3685 · NC
INTERNAL REVENUE EMPLOYEES has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Worth Ratio: Top 6.3% in tier
Key Concerns
Areas that may need attention
- - ROA 1.25% below tier average
- - Efficiency ratio 1.83% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 8.2% in tier
- - Loan Growth Rate: Bottom 9.4% in tier
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 -2.2% year over year ($8.6M in shares and deposits).
- Membership: 717 members, -0.6% vs a year ago.
- Delinquency rate 0.75%.
- Return on assets 0.25%.
- Efficiency ratio 90.59% vs a 88.77% peer average.
- Loan-to-share ratio 29.35% 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 |
717
-0.6% YoY-0.8% QoQ
|
-1.9K |
2,585
-1.7% YoY
|
91,933
+2.2% YoY
|
34,678
+6.6% YoY
|
20% |
| Assets |
$12.2M
-1.2% YoY-0.7% QoQ
|
$-18.1M |
$30.3M
+1.5% YoY
|
$1.6B
+7.2% YoY
|
$593.1M
+10.2% YoY
|
36% |
| Loans |
$2.5M
-17.3% YoY-2.9% QoQ
|
$-12.9M |
$15.5M
-1.7% YoY
|
$1.1B
+5.6% YoY
|
$418.6M
+10.1% YoY
|
21% |
| Deposits |
$8.6M
-2.2% YoY-0.9% QoQ
|
$-17.2M |
$25.8M
+1.1% YoY
|
$1.4B
+7.1% YoY
|
$504.8M
+10.3% YoY
|
32% |
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| ROA |
0.2%
-71.1% YoY-33.1% QoQ
|
-1.2% |
1.5%
+241.5% YoY
|
0.9%
+189.6% YoY
|
1.2%
+121.4% YoY
|
15% |
| NIM |
2.6%
-11.1% YoY-1.7% QoQ
|
-1.3% |
3.9%
+0.9% YoY
|
4.0%
+0.2% YoY
|
3.8%
+2.3% YoY
|
Bottom 8.2% in tier |
| Efficiency Ratio |
90.6%
+27.5% YoY+5.1% QoQ
|
+1.8% |
88.8%
-6.9% YoY
|
83.1%
+0.7% YoY
|
83.0%
-5.3% YoY
|
73% |
| Delinquency Rate |
0.7%
+415.2% YoY+3.8% QoQ
|
-0.8 |
1.5%
+2.1% YoY
|
1.5%
+12.0% YoY
|
1.3%
+2.6% YoY
|
52% |
| Loan To Share |
29.4%
-15.4% YoY-2.0% QoQ
|
-29.5% |
58.9%
-3.1% YoY
|
74.9%
+0.0% YoY
|
66.4%
-1.4% YoY
|
Bottom 10.6% in tier |
| AMR |
$15,445
-5.5% YoY-0.5% QoQ
|
+$483 |
$14,963
-6.8% YoY
|
$17,976
+4.0% YoY
|
$20,028
-0.9% YoY
|
58% |
| CD Concentration | 0.0% | -24.6% | 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)