BlastPoint's Credit Union Scorecard
FIRST CAROLINA PEOPLE'S
Charter #62673 · NC
2596 CUs in <100M nationally
32 in NC
FIRST CAROLINA PEOPLE'S has 5 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.22% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 4.1% in tier
- + Average Member Relationship (AMR): Top 6.7% in tier
- + Loan-to-Share Ratio: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - ROA 1.32% below tier average
- - Efficiency ratio 17.32% above tier (higher cost structure)
- - Delinquency rate 5.10% above tier average
- - Member decline: -2.0% YoY
- - First Mortgage Concentration (%): Bottom 3.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.9% in tier
- - Asset Growth Rate: Bottom 5.1% in tier
- - Deposit Growth Rate: Bottom 6.7% in tier
- - Net Worth Ratio: Bottom 9.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,253
-2.0% YoY-0.1% QoQ
|
-372 |
2,625
-2.2% YoY
|
91,841
+6.6% YoY
|
33,089
+6.1% YoY
|
56% |
| Assets |
$33.7M
-10.3% YoY+0.6% QoQ
|
+$3.9M |
$29.9M
+1.1% YoY
|
$1.5B
+5.5% YoY
|
$547.7M
+7.8% YoY
|
64% |
| Loans |
$28.2M
+0.8% YoY-0.1% QoQ
|
+$12.4M |
$15.8M
-2.4% YoY
|
$1.1B
+9.9% YoY
|
$388.7M
+8.6% YoY
|
80% |
| Deposits |
$30.5M
-10.7% YoY+1.2% QoQ
|
+$5.1M |
$25.5M
+0.4% YoY
|
$1.3B
+12.1% YoY
|
$464.6M
+9.3% YoY
|
66% |
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| ROA |
-0.6%
-1110.5% YoY+34.4% QoQ
|
-1.3% |
0.7%
-731.4% YoY
|
0.4%
-19.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 7.8% in tier |
| NIM |
4.1%
+10.7% YoY+6.2% QoQ
|
+0.2% |
3.9%
+3.8% YoY
|
4.1%
+4.0% YoY
|
3.7%
+5.0% YoY
|
60% |
| Efficiency Ratio |
98.7%
+3.2% YoY+0.5% QoQ
|
+17.3% |
81.4%
-2.4% YoY
|
81.5%
-1.2% YoY
|
79.1%
-3.3% YoY
|
Top 12.1% in tier |
| Delinquency Rate |
6.6%
+154.3% YoY+70.5% QoQ
|
+5.1 |
1.5%
-2.0% YoY
|
1.5%
+2.4% YoY
|
1.2%
-0.9% YoY
|
Top 3.9% in tier |
| Loan To Share |
92.4%
+12.8% YoY-1.2% QoQ
|
+31.2% |
61.2%
-3.0% YoY
|
76.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
Top 9.1% in tier |
| AMR |
$26,070
-3.6% YoY+0.7% QoQ
|
+$11K |
$14,627
-2.7% YoY
|
$17,441
+4.0% YoY
|
$19,418
+1.3% YoY
|
Top 6.8% in tier |
| CD Concentration |
31.3%
-22.2% YoY-11.0% QoQ
|
+6.9% |
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)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
107
Loan-to-Member Ratio (LMR)
engagement
Value:
$12,519
Peer Avg: -
#107 of 2596
Top 4.1% in <100M tier
176
Average Member Relationship (AMR)
engagement
Value:
$26,070
Peer Avg: -
#176 of 2596
Top 6.7% in <100M tier
233
Loan-to-Share Ratio
balance_sheet
Value:
92.39%
Peer Avg: -
#233 of 2596
Top 8.9% in <100M tier
520
Total Loans
balance_sheet
Value:
$28.21M
Peer Avg: -
#520 of 2596
Top 20.0% in <100M tier
Top Weaknesses (10 metrics)
2503
First Mortgage Concentration (%)
balance_sheet
Value:
60.82%
Peer Avg: -
#2503 of 2596
Bottom 3.6% in <100M tier
2497
Total Delinquency Rate (60+ days)
risk
Value:
6.61%
Peer Avg: -
#2497 of 2596
Bottom 3.9% in <100M tier
2464
Asset Growth Rate
growth
Value:
-10.29%
Peer Avg: -
#2464 of 2596
Bottom 5.1% in <100M tier
2423
Deposit Growth Rate
growth
Value:
-10.66%
Peer Avg: -
#2423 of 2596
Bottom 6.7% in <100M tier
2394
Return on Assets (ROA)
profitability
Value:
-0.63%
Peer Avg: -
#2394 of 2596
Bottom 7.8% in <100M tier
2348
Net Worth Ratio
risk
Value:
8.99%
Peer Avg: -
#2348 of 2596
Bottom 9.6% in <100M tier
2283
Efficiency Ratio
profitability
Value:
98.71%
Peer Avg: -
#2283 of 2596
Bottom 12.1% in <100M tier
2193
Share Certificate Concentration (%)
balance_sheet
Value:
31.31%
Peer Avg: -
#2193 of 2596
Bottom 15.6% in <100M tier
2073
Members Per Employee (MPE)
engagement
Value:
225.300
Peer Avg: -
#2073 of 2596
Bottom 20.2% in <100M tier
2022
AMR Growth Rate
growth
Value:
-3.57%
Peer Avg: -
#2022 of 2596
Bottom 22.1% in <100M tier