BlastPoint's Credit Union Scorecard
CHAMPION
Charter #60721 · NC
CHAMPION has 4 strengths but faces 3 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
- + Organic Growth Engine: Top 22.9% in tier
- + ROA 0.26% above tier average
- + Net Interest Margin 0.46% above tier average
- + Share Certificate Concentration (%): Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 26.5% in tier
- - Liquidity Strain: Bottom 31.1% in tier
- - First Mortgage Concentration (%): Bottom 5.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
36,431
+2.0% YoY-0.2% QoQ
|
-3.3K |
39,752
-2.7% YoY
|
91,841
+6.6% YoY
|
33,089
+6.1% YoY
|
44% |
| Assets |
$554.7M
+3.9% YoY+0.0% QoQ
|
$-67.7M |
$622.4M
+0.3% YoY
|
$1.5B
+5.5% YoY
|
$547.7M
+7.8% YoY
|
23% |
| Loans |
$429.2M
+1.0% YoY+1.1% QoQ
|
$-6.8M |
$435.9M
-0.4% YoY
|
$1.1B
+9.9% YoY
|
$388.7M
+8.6% YoY
|
44% |
| Deposits |
$470.1M
+6.8% YoY-0.2% QoQ
|
$-68.0M |
$538.0M
+1.3% YoY
|
$1.3B
+12.1% YoY
|
$464.6M
+9.3% YoY
|
17% |
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| ROA |
0.9%
+45.0% YoY+0.8% QoQ
|
+0.3% |
0.7%
+33.9% YoY
|
0.4%
-19.0% YoY
|
0.7%
+273.4% YoY
|
72% |
| NIM |
3.9%
+1.1% YoY-1.0% QoQ
|
+0.5% |
3.4%
+8.6% YoY
|
4.1%
+4.0% YoY
|
3.7%
+5.0% YoY
|
82% |
| Efficiency Ratio |
74.5%
-5.1% YoY+0.8% QoQ
|
-3.6% |
78.1%
-3.4% YoY
|
81.5%
-1.2% YoY
|
79.1%
-3.3% YoY
|
31% |
| Delinquency Rate |
0.7%
-5.9% YoY+4.9% QoQ
|
-0.1 |
0.8%
-4.9% YoY
|
1.5%
+2.4% YoY
|
1.2%
-0.9% YoY
|
57% |
| Loan To Share |
91.3%
-5.5% YoY+1.3% QoQ
|
+10.3% |
81.0%
-1.8% YoY
|
76.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
75% |
| AMR |
$24,684
+1.9% YoY+0.6% QoQ
|
$-2K |
$26,482
+2.6% YoY
|
$17,441
+4.0% YoY
|
$19,418
+1.3% YoY
|
49% |
| CD Concentration |
15.8%
-5.2% YoY+2.0% QoQ
|
-8.6% |
24.4%
+4.2% YoY
|
20.6%
+2.2% YoY
|
19.6%
+6.2% YoY
|
21% |
| Indirect Auto % |
20.7%
-1.0% YoY-2.6% QoQ
|
+6.7% |
14.0%
-5.7% YoY
|
5.3%
-2.9% YoY
|
7.9%
-2.9% YoY
|
72% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)