BlastPoint's Credit Union Scorecard
FIRST CAROLINA PEOPLE'S
Charter #62673 · NC
FIRST CAROLINA PEOPLE'S has 4 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.33% above tier average
- + Loan-to-Member Ratio (LMR): Top 3.7% in tier
- + Average Member Relationship (AMR): Top 6.4% in tier
- + Loan-to-Share Ratio: Top 6.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.21% below tier average
- - Efficiency ratio 12.17% above tier (higher cost structure)
- - Delinquency rate 4.25% above tier average
- - Member decline: -3.9% YoY
- - First Mortgage Concentration (%): Bottom 3.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 5.3% in tier
- - Net Worth Ratio: Bottom 7.3% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 31 that size in North Carolina.
- Shares and deposits +0.3% year over year ($30.3M in shares and deposits).
- Membership: 2,169 members, -3.9% vs a year ago.
- Delinquency rate 5.79%.
- Return on assets 1.28%.
- Efficiency ratio 100.94% vs a 88.77% peer average.
- Loan-to-share ratio 93.20% vs a 58.89% 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 |
2,169
-3.9% YoY+0.3% QoQ
|
-416 |
2,585
-1.7% YoY
|
91,933
+2.2% YoY
|
34,678
+6.6% YoY
|
56% |
| Assets |
$33.3M
-0.7% YoY-1.2% QoQ
|
+$3.0M |
$30.3M
+1.5% YoY
|
$1.6B
+7.2% YoY
|
$593.1M
+10.2% YoY
|
62% |
| Loans |
$28.2M
-0.0% YoY+0.6% QoQ
|
+$12.8M |
$15.5M
-1.7% YoY
|
$1.1B
+5.6% YoY
|
$418.6M
+10.1% YoY
|
81% |
| Deposits |
$30.3M
+0.3% YoY-1.0% QoQ
|
+$4.5M |
$25.8M
+1.1% YoY
|
$1.4B
+7.1% YoY
|
$504.8M
+10.3% YoY
|
65% |
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| ROA |
1.3%
-372.0% YoY-162.0% QoQ
|
-0.2% |
1.5%
+241.5% YoY
|
0.9%
+189.6% YoY
|
1.2%
+121.4% YoY
|
73% |
| NIM |
4.2%
+8.2% YoY+0.6% QoQ
|
+0.3% |
3.9%
+0.9% YoY
|
4.0%
+0.2% YoY
|
3.8%
+2.3% YoY
|
66% |
| Efficiency Ratio |
100.9%
+2.8% YoY+1.3% QoQ
|
+12.2% |
88.8%
-6.9% YoY
|
83.1%
+0.7% YoY
|
83.0%
-5.3% YoY
|
Bottom 12.7% in tier |
| Delinquency Rate |
5.8%
+49.3% YoY-17.1% QoQ
|
+4.2 |
1.5%
+2.1% YoY
|
1.5%
+12.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 5.3% in tier |
| Loan To Share |
93.2%
-0.4% YoY+1.5% QoQ
|
+34.3% |
58.9%
-3.1% YoY
|
74.9%
+0.0% YoY
|
66.4%
-1.4% YoY
|
Top 6.7% in tier |
| AMR |
$26,975
+4.2% YoY-0.5% QoQ
|
+$12K |
$14,963
-6.8% YoY
|
$17,976
+4.0% YoY
|
$20,028
-0.9% YoY
|
Top 6.4% in tier |
| CD Concentration |
31.1%
-11.5% YoY+2.7% QoQ
|
+6.6% | 24.6% | 21.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 4.6% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)