BlastPoint's Credit Union Scorecard
ALLVAC SAVINGS AND
Charter #60660 · NC
ALLVAC SAVINGS AND has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.63% above tier average
- + Net Interest Margin 0.59% above tier average
- + Strong member growth: 17.7% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 2.0% in tier
Key Concerns
Areas that may need attention
- - AMR Growth Rate: Bottom 4.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,605
+17.7% YoY+1.2% QoQ
|
-1.0K |
2,625
-2.2% YoY
|
91,841
+6.6% YoY
|
33,089
+6.1% YoY
|
43% |
| Assets |
$8.8M
+4.7% YoY+1.7% QoQ
|
$-21.1M |
$29.9M
+1.1% YoY
|
$1.5B
+5.5% YoY
|
$547.7M
+7.8% YoY
|
30% |
| Loans |
$5.2M
+0.5% YoY-1.5% QoQ
|
$-10.6M |
$15.8M
-2.4% YoY
|
$1.1B
+9.9% YoY
|
$388.7M
+8.6% YoY
|
35% |
| Deposits |
$7.1M
+1.4% YoY-0.1% QoQ
|
$-18.4M |
$25.5M
+0.4% YoY
|
$1.3B
+12.1% YoY
|
$464.6M
+9.3% YoY
|
30% |
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| ROA |
1.3%
-18.3% YoY-5.8% QoQ
|
+0.6% |
0.7%
-731.4% YoY
|
0.4%
-19.0% YoY
|
0.7%
+273.4% YoY
|
74% |
| NIM |
4.5%
+2.7% YoY+0.6% QoQ
|
+0.6% |
3.9%
+3.8% YoY
|
4.1%
+4.0% YoY
|
3.7%
+5.0% YoY
|
74% |
| Efficiency Ratio |
78.2%
+5.5% YoY+0.9% QoQ
|
-3.2% |
81.4%
-2.4% YoY
|
81.5%
-1.2% YoY
|
79.1%
-3.3% YoY
|
49% |
| Delinquency Rate |
0.2%
-66.2% YoY-40.1% QoQ
|
-1.4 |
1.5%
-2.0% YoY
|
1.5%
+2.4% YoY
|
1.2%
-0.9% YoY
|
24% |
| Loan To Share |
73.5%
-0.9% YoY-1.4% QoQ
|
+12.2% |
61.2%
-3.0% YoY
|
76.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
68% |
| AMR |
$7,672
-14.1% YoY-1.9% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$17,441
+4.0% YoY
|
$19,418
+1.3% YoY
|
18% |
| CD Concentration |
11.1%
+2.0% YoY-12.7% QoQ
|
-13.3% |
24.4%
+4.2% YoY
|
20.6%
+2.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.3%
-2.9% YoY
|
7.9%
-2.9% YoY
|
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)