BlastPoint's Credit Union Scorecard

CHAMPION

Charter #60721 · NC

Community 500M-750M

167 CUs in 500M-750M nationally 3 in NC

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CHAMPION has 1 strength but faces 8 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

NC Analysis

How does NC stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.43% above tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 9.9% in tier
- Efficiency Drag: Bottom 40.6% in tier
- Stagnation Risk: Bottom 57.6% in tier
- Membership Headwinds: Bottom 57.6% in tier
- Indirect Auto Dependency: Bottom 75.8% in tier
- ROA 0.11% below tier average
- Efficiency ratio 2.77% above tier (higher cost structure)
- First Mortgage Concentration (%): Bottom 5.4% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Members	36,123 -0.5% YoY-0.1% QoQ	-2.0K	38,079 -4.8% YoY	91,843 +3.2% YoY	33,913 +5.7% YoY	46%
Assets	$555.1M +1.1% YoY+0.1% QoQ	$-64.6M	$619.7M -0.2% YoY	$1.6B +7.7% YoY	$578.3M +9.0% YoY	26%
Loans	$436.3M +5.9% YoY+0.4% QoQ	+$17.0M	$419.3M -1.4% YoY	$1.1B +5.7% YoY	$402.4M +8.7% YoY	54%
Deposits	$473.7M +1.3% YoY+0.9% QoQ	$-65.8M	$539.5M -0.1% YoY	$1.4B +7.2% YoY	$494.3M +9.1% YoY	20%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.6% -19.7% YoY-36.9% QoQ	-0.1%	0.7% +36.0% YoY	0.4% +21.7% YoY	0.4% -39.2% YoY	46%
NIM	3.9% +1.2% YoY-0.1% QoQ	+0.4%	3.5% +4.5% YoY	4.0% +0.2% YoY	3.8% +4.1% YoY	82%
Efficiency Ratio	81.2% +4.4% YoY+8.2% QoQ	+2.8%	78.4% -3.7% YoY	84.1% +2.7% YoY	84.6% +2.8% YoY	57%
Delinquency Rate	0.3% -19.3% YoY-49.3% QoQ	-0.4	0.7% -0.9% YoY	1.3% -24.7% YoY	1.2% +3.4% YoY	20%
Loan To Share	92.1% +4.5% YoY-0.5% QoQ	+14.4%	77.7% -1.2% YoY	74.3% +0.8% YoY	65.6% -1.4% YoY	Top 12.6% in tier
AMR	$25,191 +4.0% YoY+0.7% QoQ	$-2K	$26,927 +3.1% YoY	$17,856 +2.9% YoY	$19,920 +1.6% YoY	47%
CD Concentration	16.6% +5.9% YoY+1.8% QoQ	-7.6%	24.3%	21.2%	19.8%	24%
Indirect Auto %	20.3% +1.0% YoY-1.7% QoQ	+6.4%	13.8%	4.9%	7.7%	72%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Efficiency Drag

risk

#302 of 596 • Bottom 40.6% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 81.15%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.14% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -0.52%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

702 nationally

↓ Shrinking -84 CUs YoY | New qualifier

Liquidity Strain

risk

#129 of 183 • Bottom 9.9% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 92.11%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 5.91%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

183 of 284 Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#457 of 504 • Bottom 75.8% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 1.14%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 20.25%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -0.52%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Stagnation Risk

risk

#561 of 570 • Bottom 57.6% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.52%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 5.91%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.28%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#567 of 570 • Bottom 57.6% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -0.52%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

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)

Compare against:

Comparing against 167 peers in tier

Top Strengths (4 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 16.65%

Peer Median: 26.29%

#20 of 167 Top 11.4% in 500M-750M tier

Loan-to-Share Ratio

balance_sheet

Value: 92.11%

Peer Median: 79.97%

#21 of 167 Top 12.0% in 500M-750M tier

Net Interest Margin (NIM)

profitability

Value: 3.90%

Peer Median: 3.48%

#30 of 167 Top 17.4% in 500M-750M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.28%

Peer Median: 0.62%

#35 of 167 Top 20.4% in 500M-750M tier

Top Weaknesses (4 metrics)

159

First Mortgage Concentration (%)

balance_sheet

Value: 61.19%

Peer Median: 32.87%

#159 of 167 Bottom 5.4% in 500M-750M tier

144

Fee Income Per Member

profitability

Value: $117.53

Peer Median: $178.80

#144 of 167 Bottom 14.4% in 500M-750M tier

133

Total Deposits

balance_sheet

Value: $473.66M

Peer Median: $543.36M

#133 of 167 Bottom 21.0% in 500M-750M tier

129

Deposit Growth Rate

growth

Value: 1.32%

Peer Median: 4.02%

#129 of 167 Bottom 23.4% in 500M-750M tier