BlastPoint's Credit Union Scorecard

SUMMIT

Charter #63020 · NC

100M-500M

1069 CUs in 100M-500M nationally 13 in NC

SUMMIT has 6 strengths but faces 5 concerns

National Analysis

How does the industry compare?

NC Analysis

How does NC stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Net Interest Margin 0.89% above tier average
+ Strong member growth: 17.1% YoY
+ Member Growth Rate: Top 2.2% in tier
+ Total Members: Top 2.2% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- AMR Growth Rate: Bottom 1.0% in tier
- Average Member Relationship (AMR): Bottom 6.7% in tier
- Net Charge-Off Rate: Bottom 9.8% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Members	37,288 +17.1% YoY-0.8% QoQ	+21.9K	15,437 -2.9% YoY	91,719 +6.9% YoY	33,374 +5.7% YoY	Top 2.3% in tier
Assets	$360.3M +3.1% YoY-0.5% QoQ	+$128.4M	$231.9M +1.3% YoY	$1.6B +12.6% YoY	$561.6M +9.7% YoY	83%
Loans	$232.7M +1.3% YoY-0.0% QoQ	+$85.3M	$147.3M -0.1% YoY	$1.1B +9.8% YoY	$397.0M +8.8% YoY	83%
Deposits	$291.4M +2.4% YoY-0.9% QoQ	+$90.6M	$200.8M +0.8% YoY	$1.4B +12.2% YoY	$477.3M +9.7% YoY	80%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.8% -11.9% YoY+49.1% QoQ	+0.0%	0.8% +18.2% YoY	0.2% -40.7% YoY	0.7% +15.9% YoY	51%
NIM	4.5% +4.4% YoY+1.3% QoQ	+0.9%	3.6% +6.7% YoY	4.1% +4.6% YoY	3.8% +5.1% YoY	Top 9.6% in tier
Efficiency Ratio	72.8% -6.5% YoY-4.9% QoQ	-4.3%	77.0% -3.1% YoY	80.6% -3.1% YoY	79.7% -3.3% YoY	32%
Delinquency Rate	0.9% -17.8% YoY+46.3% QoQ	+0.0	0.9% +4.2% YoY	2.1% -15.0% YoY	1.3% -2.1% YoY	64%
Loan To Share	79.9% -1.1% YoY+0.8% QoQ	+7.6%	72.2% -1.1% YoY	75.9% +1.0% YoY	67.4% -1.7% YoY	63%
AMR	$14,054 -13.0% YoY+0.3% QoQ	$-11K	$24,676 +3.4% YoY	$17,588 +4.6% YoY	$19,687 +2.0% YoY	Bottom 6.6% in tier
CD Concentration	18.2% +10.0% YoY+4.0% QoQ	-6.2%	24.4%	21.7%	19.8%	50%
Indirect Auto %	0.1% -62.9% YoY-20.6% QoQ	-13.7%	13.8%	5.1%	7.8%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#17 of 426 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 17.08%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.06%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth

#92 of 595 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 17.08%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.77%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 0.06%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Concerns (2)

Shrinking Wallet Share

decline

#12 of 208 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -12.98%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY | New qualifier

Margin Compression

decline

#119 of 123 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.77%

(Tier: 0.75%, National: 0.67%)

but better than tier avg

ROA (Prior Year): 0.87%

(Tier: 0.63%, National: 0.62%)

but better than tier avg

ROA Change (YoY): -0.10% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

123 of 1069 Mid-Small & Community CUs have this signature | 145 nationally

→ No prior data (123 CUs now) | New qualifier

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (7 metrics)

Member Growth Rate

growth

Value: 17.08%

Peer Median: -

#25 of 1069 Top 2.2% in 100M-500M tier

Total Members

engagement

Value: 37,288

Peer Median: -

#25 of 1069 Top 2.2% in 100M-500M tier

103

Net Interest Margin (NIM)

profitability

Value: 4.50%

Peer Median: -

#103 of 1069 Top 9.5% in 100M-500M tier

146

Net Worth Ratio

risk

Value: 15.41%

Peer Median: -

#146 of 1069 Top 13.6% in 100M-500M tier

177

Total Assets

balance_sheet

Value: $360.26M

Peer Median: -

#177 of 1069 Top 16.5% in 100M-500M tier

185

Total Loans

balance_sheet

Value: $232.69M

Peer Median: -

#185 of 1069 Top 17.2% in 100M-500M tier

216

Total Deposits

balance_sheet

Value: $291.37M

Peer Median: -

#216 of 1069 Top 20.1% in 100M-500M tier

Top Weaknesses (4 metrics)

1059

AMR Growth Rate

growth

Value: -12.98%

Peer Median: -

#1059 of 1069 Bottom 1.0% in 100M-500M tier

998

Average Member Relationship (AMR)

engagement

Value: $14,054

Peer Median: -

#998 of 1069 Bottom 6.7% in 100M-500M tier

965

Net Charge-Off Rate

risk

Value: 1.05%

Peer Median: -

#965 of 1069 Bottom 9.8% in 100M-500M tier

909

Loan-to-Member Ratio (LMR)

engagement

Value: $6,240

Peer Median: -

#909 of 1069 Bottom 15.1% in 100M-500M tier