BlastPoint's Credit Union Scorecard
FIRST CAROLINA PEOPLE'S
Charter #62673 · NC
FIRST CAROLINA PEOPLE'S has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.37% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 3.8% in tier
- + Average Member Relationship (AMR): Top 7.0% in tier
- + Loan-to-Share Ratio: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.74% below tier average
- - Efficiency ratio 13.02% above tier (higher cost structure)
- - Delinquency rate 3.32% above tier average
- - Member decline: -2.6% YoY
- - First Mortgage Concentration (%): Bottom 3.5% in tier
- - Asset Growth Rate: Bottom 5.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.5% in tier
- - Deposit Growth Rate: Bottom 7.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,232
-2.6% YoY-0.9% QoQ
|
-383 |
2,615
-1.9% YoY
|
91,719
+6.9% YoY
|
33,374
+5.7% YoY
|
56% |
| Assets |
$33.5M
-9.3% YoY-0.6% QoQ
|
+$3.4M |
$30.1M
+2.1% YoY
|
$1.6B
+12.6% YoY
|
$561.6M
+9.7% YoY
|
63% |
| Loans |
$28.2M
+0.8% YoY+0.1% QoQ
|
+$12.5M |
$15.8M
-1.3% YoY
|
$1.1B
+9.8% YoY
|
$397.0M
+8.8% YoY
|
80% |
| Deposits |
$30.2M
-9.9% YoY-1.0% QoQ
|
+$4.5M |
$25.7M
+1.4% YoY
|
$1.4B
+12.2% YoY
|
$477.3M
+9.7% YoY
|
65% |
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| ROA |
-0.1%
-359.5% YoY-80.5% QoQ
|
-0.7% |
0.6%
+10.8% YoY
|
0.2%
-40.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 13.6% in tier |
| NIM |
4.3%
+16.7% YoY+4.2% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
4.1%
+4.6% YoY
|
3.8%
+5.1% YoY
|
68% |
| Efficiency Ratio |
95.6%
+1.2% YoY-3.2% QoQ
|
+13.0% |
82.6%
-2.3% YoY
|
80.6%
-3.1% YoY
|
79.7%
-3.3% YoY
|
84% |
| Delinquency Rate |
4.9%
+0.5% YoY-26.3% QoQ
|
+3.3 |
1.6%
-3.1% YoY
|
2.1%
-15.0% YoY
|
1.3%
-2.1% YoY
|
Top 6.5% in tier |
| Loan To Share |
93.5%
+11.9% YoY+1.2% QoQ
|
+32.9% |
60.6%
-3.1% YoY
|
75.9%
+1.0% YoY
|
67.4%
-1.7% YoY
|
Top 7.8% in tier |
| AMR |
$26,193
-2.5% YoY+0.5% QoQ
|
+$11K |
$14,783
-1.4% YoY
|
$17,588
+4.6% YoY
|
$19,687
+2.0% YoY
|
Top 7.0% in tier |
| CD Concentration |
30.1%
-25.9% YoY-4.0% QoQ
|
+5.6% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.1% | 7.8% | 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)