BlastPoint's Credit Union Scorecard
CHAMPION
Charter #60721 · NC
CHAMPION has 2 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
- + Net Interest Margin 0.44% above tier average
- + Total Delinquency Rate (60+ days): Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 7.4% in tier
- - Cost Spiral: Bottom 16.5% in tier
- - Margin Compression: Bottom 46.7% in tier
- - Membership Headwinds: Bottom 62.1% in tier
- - Stagnation Risk: Bottom 62.1% in tier
- - Deposit Outflow: Bottom 84.3% in tier
- - Flatlined Growth: Bottom 86.0% in tier
- - Indirect Auto Dependency: Bottom 86.0% 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 165 credit unions with $500M-$750M in assets nationally, and 1 of 3 that size in North Carolina.
- Shares and deposits -0.5% year over year ($469M in shares and deposits).
- Membership: 36,206 members, -0.8% vs a year ago.
- Delinquency rate 0.24%.
- Return on assets 0.80%.
- Efficiency ratio 79.14% vs a 76.56% peer average.
- Loan-to-share ratio 95.25% vs a 79.33% 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 |
36,206
-0.8% YoY+0.2% QoQ
|
-1.7K |
37,897
-5.0% YoY
|
91,933
+2.2% YoY
|
34,678
+6.6% YoY
|
46% |
| Assets |
$551.9M
-0.5% YoY-0.6% QoQ
|
$-70.4M |
$622.4M
+0.6% YoY
|
$1.6B
+7.2% YoY
|
$593.1M
+10.2% YoY
|
25% |
| Loans |
$446.4M
+5.1% YoY+2.3% QoQ
|
+$17.9M |
$428.5M
-0.7% YoY
|
$1.1B
+5.6% YoY
|
$418.6M
+10.1% YoY
|
57% |
| Deposits |
$468.7M
-0.5% YoY-1.1% QoQ
|
$-71.1M |
$539.8M
+0.9% YoY
|
$1.4B
+7.1% YoY
|
$504.8M
+10.3% YoY
|
19% |
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| ROA |
0.8%
-12.1% YoY+40.3% QoQ
|
+0.0% |
0.8%
+39.5% YoY
|
0.9%
+189.6% YoY
|
1.2%
+121.4% YoY
|
56% |
| NIM |
4.0%
+0.9% YoY+1.7% QoQ
|
+0.4% |
3.5%
+5.0% YoY
|
4.0%
+0.2% YoY
|
3.8%
+2.3% YoY
|
81% |
| Efficiency Ratio |
79.1%
+7.1% YoY-2.5% QoQ
|
+2.6% |
76.6%
-3.6% YoY
|
83.1%
+0.7% YoY
|
83.0%
-5.3% YoY
|
62% |
| Delinquency Rate |
0.2%
-65.4% YoY-14.8% QoQ
|
-0.6 |
0.8%
+3.1% YoY
|
1.5%
+12.0% YoY
|
1.3%
+2.6% YoY
|
Top 9.7% in tier |
| Loan To Share |
95.2%
+5.7% YoY+3.4% QoQ
|
+15.9% |
79.3%
-1.4% YoY
|
74.9%
+0.0% YoY
|
66.4%
-1.4% YoY
|
Top 11.5% in tier |
| AMR |
$25,273
+3.0% YoY+0.3% QoQ
|
$-2K |
$27,294
+4.1% YoY
|
$17,976
+4.0% YoY
|
$20,028
-0.9% YoY
|
47% |
| CD Concentration |
16.9%
+8.8% YoY+1.3% QoQ
|
-7.7% | 24.6% | 21.4% | 20.0% | 24% |
| Indirect Auto % |
20.4%
-3.6% YoY+1.0% QoQ
|
+6.8% | 13.6% | 4.6% | 7.7% | 72% |
Signature Analysis
Strengths (0)
Concerns (8)
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)