BlastPoint's Credit Union Scorecard
MEMBERS
Charter #60002 · NC
MEMBERS has 7 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Net Interest Margin 0.47% above tier average
- + Total Members: Top 0.5% in tier
- + Total Assets: Top 1.7% in tier
- + Total Deposits: Top 2.3% in tier
- + First Mortgage Concentration (%): Top 2.3% in tier
- + Share Certificate Concentration (%): Top 6.3% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Delinquency rate 0.18% above tier average
- - Member decline: -2.0% YoY
- - Loan-to-Member Ratio (LMR): Bottom 1.8% in tier
- - Average Member Relationship (AMR): Bottom 3.1% in tier
- - Net Charge-Off Rate: Bottom 3.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
47,453
-2.0% YoY-0.6% QoQ
|
+32.3K |
15,145
-2.5% YoY
|
91,843
+3.2% YoY
|
33,913
+5.7% YoY
|
Top 0.6% in tier |
| Assets |
$481.8M
+6.1% YoY+4.6% QoQ
|
+$250.0M |
$231.7M
+0.8% YoY
|
$1.6B
+7.7% YoY
|
$578.3M
+9.0% YoY
|
Top 1.8% in tier |
| Loans |
$186.5M
-0.1% YoY-0.0% QoQ
|
+$42.3M |
$144.1M
+0.2% YoY
|
$1.1B
+5.7% YoY
|
$402.4M
+8.7% YoY
|
73% |
| Deposits |
$411.9M
+6.4% YoY+5.5% QoQ
|
+$210.8M |
$201.1M
+0.4% YoY
|
$1.4B
+7.2% YoY
|
$494.3M
+9.1% YoY
|
Top 2.4% in tier |
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| ROA |
0.7%
-5.9% YoY-24.4% QoQ
|
+0.0% |
0.7%
+5.1% YoY
|
0.4%
+21.7% YoY
|
0.4%
-39.2% YoY
|
54% |
| NIM |
4.1%
-1.7% YoY-2.7% QoQ
|
+0.5% |
3.6%
+4.6% YoY
|
4.0%
+0.2% YoY
|
3.8%
+4.1% YoY
|
79% |
| Efficiency Ratio |
69.5%
+0.4% YoY+3.4% QoQ
|
-8.5% |
78.0%
-1.7% YoY
|
84.1%
+2.7% YoY
|
84.6%
+2.8% YoY
|
23% |
| Delinquency Rate |
1.0%
+23.0% YoY-16.5% QoQ
|
+0.2 |
0.8%
+7.1% YoY
|
1.3%
-24.7% YoY
|
1.2%
+3.4% YoY
|
74% |
| Loan To Share |
45.3%
-6.1% YoY-5.2% QoQ
|
-25.1% |
70.4%
-0.4% YoY
|
74.3%
+0.8% YoY
|
65.6%
-1.4% YoY
|
Bottom 7.9% in tier |
| AMR |
$12,610
+6.4% YoY+4.4% QoQ
|
$-12K |
$24,918
+2.7% YoY
|
$17,856
+2.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 3.0% in tier |
| CD Concentration |
7.0%
+16.1% YoY+0.2% QoQ
|
-17.3% | 24.3% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.9% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)