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 0.13% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 6.8% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.2% YoY
- - Loan Growth Rate: Bottom 6.4% in tier
- - AMR Growth Rate: Bottom 8.5% in tier
- - Deposit Growth Rate: Bottom 9.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
724
-3.2% YoY-0.4% QoQ
|
-1.9K |
2,615
-1.9% YoY
|
91,719
+6.9% YoY
|
33,374
+5.7% YoY
|
20% |
| Assets |
$12.4M
-5.6% YoY-0.6% QoQ
|
$-17.7M |
$30.1M
+2.1% YoY
|
$1.6B
+12.6% YoY
|
$561.6M
+9.7% YoY
|
37% |
| Loans |
$2.8M
-19.1% YoY-7.5% QoQ
|
$-13.0M |
$15.8M
-1.3% YoY
|
$1.1B
+9.8% YoY
|
$397.0M
+8.8% YoY
|
22% |
| Deposits |
$8.8M
-8.6% YoY-1.1% QoQ
|
$-16.9M |
$25.7M
+1.4% YoY
|
$1.4B
+12.2% YoY
|
$477.3M
+9.7% YoY
|
33% |
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| ROA |
0.8%
+10.2% YoY-6.0% QoQ
|
+0.1% |
0.6%
+10.8% YoY
|
0.2%
-40.7% YoY
|
0.7%
+15.9% YoY
|
54% |
| NIM |
2.9%
+12.8% YoY-1.3% QoQ
|
-1.1% |
4.0%
+4.0% YoY
|
4.1%
+4.6% YoY
|
3.8%
+5.1% YoY
|
15% |
| Efficiency Ratio |
74.0%
+0.9% YoY+1.9% QoQ
|
-8.6% |
82.6%
-2.3% YoY
|
80.6%
-3.1% YoY
|
79.7%
-3.3% YoY
|
36% |
| Delinquency Rate |
0.5%
+1428.9% QoQ
|
-1.1 |
1.6%
-3.1% YoY
|
2.1%
-15.0% YoY
|
1.3%
-2.1% YoY
|
40% |
| Loan To Share |
31.5%
-11.4% YoY-6.5% QoQ
|
-29.2% |
60.6%
-3.1% YoY
|
75.9%
+1.0% YoY
|
67.4%
-1.7% YoY
|
Bottom 11.2% in tier |
| AMR |
$15,920
-8.4% YoY-2.3% QoQ
|
+$1K |
$14,783
-1.4% YoY
|
$17,588
+4.6% YoY
|
$19,687
+2.0% YoY
|
61% |
| CD Concentration | 0.0% | -24.4% | 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)