BlastPoint's Credit Union Scorecard
INTERNAL REVENUE EMPLOYEES
Charter #3685 · NC
INTERNAL REVENUE EMPLOYEES has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.22% above tier average
- + Net Worth Ratio: Top 6.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.7% YoY
- - Loan Growth Rate: Bottom 5.4% in tier
- - Net Interest Margin (NIM): Bottom 9.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
723
-3.7% YoY-0.1% QoQ
|
-2.0K |
2,676
+1.6% YoY
|
91,843
+3.2% YoY
|
33,913
+5.7% YoY
|
20% |
| Assets |
$12.3M
-4.8% YoY-1.0% QoQ
|
$-17.9M |
$30.2M
+1.3% YoY
|
$1.6B
+7.7% YoY
|
$578.3M
+9.0% YoY
|
36% |
| Loans |
$2.6M
-21.5% YoY-6.1% QoQ
|
$-12.7M |
$15.3M
-2.0% YoY
|
$1.1B
+5.7% YoY
|
$402.4M
+8.7% YoY
|
22% |
| Deposits |
$8.6M
-7.5% YoY-1.5% QoQ
|
$-17.1M |
$25.8M
+0.7% YoY
|
$1.4B
+7.2% YoY
|
$494.3M
+9.1% YoY
|
33% |
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| ROA |
0.4%
-62.7% YoY-51.1% QoQ
|
+0.2% |
0.1%
-77.6% YoY
|
0.4%
+21.7% YoY
|
0.4%
-39.2% YoY
|
38% |
| NIM |
2.6%
-14.0% YoY-8.0% QoQ
|
-1.4% |
4.0%
+4.0% YoY
|
4.0%
+0.2% YoY
|
3.8%
+4.1% YoY
|
Bottom 9.9% in tier |
| Efficiency Ratio |
86.2%
+26.9% YoY+16.5% QoQ
|
-4.5% |
90.6%
+6.5% YoY
|
84.1%
+2.7% YoY
|
84.6%
+2.8% YoY
|
61% |
| Delinquency Rate |
0.7%
+729.0% YoY+50.5% QoQ
|
-0.8 |
1.5%
+3.8% YoY
|
1.3%
-24.7% YoY
|
1.2%
+3.4% YoY
|
53% |
| Loan To Share |
30.0%
-15.2% YoY-4.7% QoQ
|
-28.5% |
58.5%
-3.0% YoY
|
74.3%
+0.8% YoY
|
65.6%
-1.4% YoY
|
Bottom 11.5% in tier |
| AMR |
$15,528
-7.7% YoY-2.5% QoQ
|
+$644 |
$14,884
-1.7% YoY
|
$17,856
+2.9% YoY
|
$19,920
+1.6% YoY
|
58% |
| CD Concentration | 0.0% | -24.3% | 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)