BlastPoint's Credit Union Scorecard
MEMBERS
Charter #60002 · NC
MEMBERS has 7 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.19% above tier average
- + Net Interest Margin 0.50% above tier average
- + Total Members: Top 0.7% in tier
- + Total Assets: Top 2.0% in tier
- + First Mortgage Concentration (%): Top 2.2% in tier
- + Total Deposits: Top 3.0% in tier
- + Share Certificate Concentration (%): Top 6.7% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.8% in tier
- - Average Member Relationship (AMR): Bottom 3.1% in tier
- - Net Charge-Off Rate: Bottom 4.4% in tier
- - Loan-to-Share Ratio: Bottom 8.4% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 13 that size in North Carolina.
- Shares and deposits +3.5% year over year ($404M in shares and deposits).
- Membership: 46,799 members, -1.8% vs a year ago.
- Delinquency rate 0.82%.
- Return on assets 1.05%.
- Efficiency ratio 66.95% vs a 76.73% peer average.
- Loan-to-share ratio 46.48% vs a 71.54% 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 |
46,799
-1.8% YoY-1.4% QoQ
|
+31.6K |
15,168
-2.6% YoY
|
91,933
+2.2% YoY
|
34,678
+6.6% YoY
|
Top 0.8% in tier |
| Assets |
$477.1M
+4.0% YoY-1.0% QoQ
|
+$245.1M |
$232.0M
+0.7% YoY
|
$1.6B
+7.2% YoY
|
$593.1M
+10.2% YoY
|
Top 2.1% in tier |
| Loans |
$187.9M
+1.6% YoY+0.7% QoQ
|
+$41.6M |
$146.3M
+0.2% YoY
|
$1.1B
+5.6% YoY
|
$418.6M
+10.1% YoY
|
72% |
| Deposits |
$404.2M
+3.5% YoY-1.9% QoQ
|
+$203.4M |
$200.7M
+0.2% YoY
|
$1.4B
+7.1% YoY
|
$504.8M
+10.3% YoY
|
Top 3.1% in tier |
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| ROA |
1.1%
+0.6% YoY+40.9% QoQ
|
+0.2% |
0.9%
+12.5% YoY
|
0.9%
+189.6% YoY
|
1.2%
+121.4% YoY
|
68% |
| NIM |
4.2%
-0.1% YoY+1.9% QoQ
|
+0.5% |
3.7%
+4.5% YoY
|
4.0%
+0.2% YoY
|
3.8%
+2.3% YoY
|
79% |
| Efficiency Ratio |
67.0%
+0.7% YoY-3.7% QoQ
|
-9.8% |
76.7%
-0.8% YoY
|
83.1%
+0.7% YoY
|
83.0%
-5.3% YoY
|
19% |
| Delinquency Rate |
0.8%
-19.8% YoY-14.1% QoQ
|
-0.1 |
0.9%
+6.6% YoY
|
1.5%
+12.0% YoY
|
1.3%
+2.6% YoY
|
58% |
| Loan To Share |
46.5%
-1.8% YoY+2.7% QoQ
|
-25.1% |
71.5%
-0.3% YoY
|
74.9%
+0.0% YoY
|
66.4%
-1.4% YoY
|
Bottom 8.3% in tier |
| AMR |
$12,650
+4.8% YoY+0.3% QoQ
|
$-12K |
$25,107
+3.2% YoY
|
$17,976
+4.0% YoY
|
$20,028
-0.9% YoY
|
Bottom 3.0% in tier |
| CD Concentration |
7.4%
+16.1% YoY+5.4% QoQ
|
-17.2% | 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 (2)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)