BlastPoint's Credit Union Scorecard
CHAMPION
Charter #60721 · NC
CHAMPION has 3 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does NC stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.25% above tier average
- + Net Interest Margin 0.46% above tier average
- + Share Certificate Concentration (%): Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 7.5% in tier
- - Credit Quality Pressure: Bottom 62.2% in tier
- - Credit Risk Growth: Bottom 65.7% in tier
- - Liquidity Strain: Bottom 71.8% in tier
- - Indirect Auto Dependency: Bottom 90.3% in tier
- - Stagnation Risk: Bottom 96.4% in tier
- - Membership Headwinds: Bottom 97.1% in tier
- - First Mortgage Concentration (%): Bottom 4.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
36,146
-0.6% YoY-0.8% QoQ
|
-2.4K |
38,575
-4.8% YoY
|
91,719
+6.9% YoY
|
33,374
+5.7% YoY
|
44% |
| Assets |
$554.8M
+0.9% YoY+0.0% QoQ
|
$-67.0M |
$621.7M
+0.1% YoY
|
$1.6B
+12.6% YoY
|
$561.6M
+9.7% YoY
|
22% |
| Loans |
$434.6M
+4.7% YoY+1.3% QoQ
|
+$4.8M |
$429.8M
-1.8% YoY
|
$1.1B
+9.8% YoY
|
$397.0M
+8.8% YoY
|
50% |
| Deposits |
$469.3M
+3.5% YoY-0.2% QoQ
|
$-69.4M |
$538.7M
+0.6% YoY
|
$1.4B
+12.2% YoY
|
$477.3M
+9.7% YoY
|
15% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.9%
+50.9% YoY-1.5% QoQ
|
+0.2% |
0.7%
+42.9% YoY
|
0.2%
-40.7% YoY
|
0.7%
+15.9% YoY
|
70% |
| NIM |
3.9%
+1.6% YoY+0.3% QoQ
|
+0.5% |
3.4%
+8.0% YoY
|
4.1%
+4.6% YoY
|
3.8%
+5.1% YoY
|
82% |
| Efficiency Ratio |
75.0%
-6.2% YoY+0.6% QoQ
|
-2.5% |
77.5%
-4.1% YoY
|
80.6%
-3.1% YoY
|
79.7%
-3.3% YoY
|
34% |
| Delinquency Rate |
0.6%
+32.9% YoY-23.6% QoQ
|
-0.3 |
0.8%
-1.1% YoY
|
2.1%
-15.0% YoY
|
1.3%
-2.1% YoY
|
37% |
| Loan To Share |
92.6%
+1.2% YoY+1.4% QoQ
|
+12.7% |
79.8%
-2.3% YoY
|
75.9%
+1.0% YoY
|
67.4%
-1.7% YoY
|
83% |
| AMR |
$25,008
+4.8% YoY+1.3% QoQ
|
$-2K |
$26,849
+2.7% YoY
|
$17,588
+4.6% YoY
|
$19,687
+2.0% YoY
|
48% |
| CD Concentration |
16.4%
+0.6% YoY+3.5% QoQ
|
-8.1% | 24.4% | 21.7% | 19.8% | 23% |
| Indirect Auto % |
20.6%
+1.1% YoY-0.2% QoQ
|
+6.8% | 13.8% | 5.1% | 7.8% | 72% |
Signature Analysis
Strengths (0)
Concerns (7)
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)