BlastPoint's Credit Union Scorecard
FIRST CAROLINA PEOPLE'S
Charter #62673 · NC
<100M
2508 CUs in <100M nationally
31 in NC
FIRST CAROLINA PEOPLE'S has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.20% above tier average
- + Loan-to-Member Ratio (LMR): Top 3.3% in tier
- + Average Member Relationship (AMR): Top 5.9% in tier
- + Loan-to-Share Ratio: Top 6.8% in tier
Key Concerns
Areas that may need attention
- - ROA 2.21% below tier average
- - Efficiency ratio 8.96% above tier (higher cost structure)
- - Delinquency rate 5.49% above tier average
- - Member decline: -4.7% YoY
- - First Mortgage Concentration (%): Bottom 3.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.7% in tier
- - Asset Growth Rate: Bottom 7.5% in tier
- - Net Worth Ratio: Bottom 8.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,163
-4.7% YoY-3.1% QoQ
|
-513 |
2,676
+1.6% YoY
|
91,843
+3.2% YoY
|
33,913
+5.7% YoY
|
55% |
| Assets |
$33.7M
-8.0% YoY+0.5% QoQ
|
+$3.5M |
$30.2M
+1.3% YoY
|
$1.6B
+7.7% YoY
|
$578.3M
+9.0% YoY
|
63% |
| Loans |
$28.1M
+0.2% YoY-0.6% QoQ
|
+$12.8M |
$15.3M
-2.0% YoY
|
$1.1B
+5.7% YoY
|
$402.4M
+8.7% YoY
|
81% |
| Deposits |
$30.6M
-8.2% YoY+1.2% QoQ
|
+$4.8M |
$25.8M
+0.7% YoY
|
$1.4B
+7.2% YoY
|
$494.3M
+9.1% YoY
|
65% |
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| ROA |
-2.1%
+210.7% YoY+1571.5% QoQ
|
-2.2% |
0.1%
-77.6% YoY
|
0.4%
+21.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 4.7% in tier |
| NIM |
4.2%
+18.4% YoY-2.8% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
4.0%
+0.2% YoY
|
3.8%
+4.1% YoY
|
67% |
| Efficiency Ratio |
99.6%
-3.7% YoY+4.2% QoQ
|
+9.0% |
90.6%
+6.5% YoY
|
84.1%
+2.7% YoY
|
84.6%
+2.8% YoY
|
84% |
| Delinquency Rate |
7.0%
+130.6% YoY+43.4% QoQ
|
+5.5 |
1.5%
+3.8% YoY
|
1.3%
-24.7% YoY
|
1.2%
+3.4% YoY
|
Bottom 3.7% in tier |
| Loan To Share |
91.8%
+9.1% YoY-1.8% QoQ
|
+33.3% |
58.5%
-3.0% YoY
|
74.3%
+0.8% YoY
|
65.6%
-1.4% YoY
|
Top 6.9% in tier |
| AMR |
$27,114
+0.3% YoY+3.5% QoQ
|
+$12K |
$14,884
-1.7% YoY
|
$17,856
+2.9% YoY
|
$19,920
+1.6% YoY
|
Top 6.0% in tier |
| CD Concentration |
30.3%
-22.9% YoY+0.7% QoQ
|
+6.0% | 24.3% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.9% | 7.7% | 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 (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
84
Loan-to-Member Ratio (LMR)
engagement
Value:
$12,976
Peer Median: $4,923
#84 of 2508
Top 3.3% in <100M tier
150
Average Member Relationship (AMR)
engagement
Value:
$27,114
Peer Median: $13,926
#150 of 2508
Top 5.9% in <100M tier
171
Loan-to-Share Ratio
balance_sheet
Value:
91.79%
Peer Median: 58.72%
#171 of 2508
Top 6.8% in <100M tier
351
Fee Income Per Member
profitability
Value:
$140.45
Peer Median: $60.42
#351 of 2508
Top 14.0% in <100M tier
476
Total Loans
balance_sheet
Value:
$28.07M
Peer Median: $9.48M
#476 of 2508
Top 18.9% in <100M tier
Top Weaknesses (10 metrics)
2419
First Mortgage Concentration (%)
balance_sheet
Value:
61.67%
Peer Median: 3.66%
#2419 of 2508
Bottom 3.6% in <100M tier
2416
Total Delinquency Rate (60+ days)
risk
Value:
6.99%
Peer Median: 0.65%
#2416 of 2508
Bottom 3.7% in <100M tier
2391
Return on Assets (ROA)
profitability
Value:
-2.07%
Peer Median: 0.61%
#2391 of 2508
Bottom 4.7% in <100M tier
2320
Asset Growth Rate
growth
Value:
-8.01%
Peer Median: 1.30%
#2320 of 2508
Bottom 7.5% in <100M tier
2303
Net Worth Ratio
risk
Value:
8.63%
Peer Median: 14.28%
#2303 of 2508
Bottom 8.2% in <100M tier
2267
Deposit Growth Rate
growth
Value:
-8.15%
Peer Median: 0.66%
#2267 of 2508
Bottom 9.6% in <100M tier
2105
Efficiency Ratio
profitability
Value:
99.60%
Peer Median: 81.45%
#2105 of 2508
Bottom 16.1% in <100M tier
2084
Share Certificate Concentration (%)
balance_sheet
Value:
30.29%
Peer Median: 12.45%
#2084 of 2508
Bottom 16.9% in <100M tier
2046
Member Growth Rate
growth
Value:
-4.67%
Peer Median: -1.37%
#2046 of 2508
Bottom 18.5% in <100M tier
2037
Members Per Employee (MPE)
engagement
Value:
216.300
Peer Median: 333.750
#2037 of 2508
Bottom 18.8% in <100M tier