BlastPoint's Credit Union Scorecard
SUMMIT
Charter #63020 · NC
SUMMIT has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 1.1% in tier
- + Organic Growth Engine: Top 9.2% in tier
- + Net Interest Margin 0.85% above tier average
- + Strong member growth: 17.0% YoY
- + Member Growth Rate: Top 2.3% in tier
- + Total Members: Top 2.3% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 2.1% in tier
- - ROA 0.27% below tier average
- - AMR Growth Rate: Bottom 1.9% in tier
- - Average Member Relationship (AMR): Bottom 6.7% in tier
- - Net Charge-Off Rate: Bottom 8.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
37,582
+17.0% YoY+19.0% QoQ
|
+22.0K |
15,628
-3.4% YoY
|
91,841
+6.6% YoY
|
33,089
+6.1% YoY
|
Top 2.4% in tier |
| Assets |
$362.0M
+5.0% YoY-0.1% QoQ
|
+$130.7M |
$231.3M
-0.0% YoY
|
$1.5B
+5.5% YoY
|
$547.7M
+7.8% YoY
|
84% |
| Loans |
$232.8M
+3.3% YoY+0.1% QoQ
|
+$85.0M |
$147.8M
-1.4% YoY
|
$1.1B
+9.9% YoY
|
$388.7M
+8.6% YoY
|
83% |
| Deposits |
$294.0M
+4.4% YoY-0.3% QoQ
|
+$93.7M |
$200.3M
-0.0% YoY
|
$1.3B
+12.1% YoY
|
$464.6M
+9.3% YoY
|
80% |
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| ROA |
0.5%
-49.1% YoY-12.7% QoQ
|
-0.3% |
0.8%
+15.5% YoY
|
0.4%
-19.0% YoY
|
0.7%
+273.4% YoY
|
33% |
| NIM |
4.4%
+3.8% YoY-0.6% QoQ
|
+0.9% |
3.6%
+6.9% YoY
|
4.1%
+4.0% YoY
|
3.7%
+5.0% YoY
|
Top 11.1% in tier |
| Efficiency Ratio |
76.5%
-1.0% YoY+0.3% QoQ
|
-0.7% |
77.3%
-3.0% YoY
|
81.5%
-1.2% YoY
|
79.1%
-3.3% YoY
|
48% |
| Delinquency Rate |
0.6%
-32.2% YoY-16.0% QoQ
|
-0.2 |
0.9%
+7.6% YoY
|
1.5%
+2.4% YoY
|
1.2%
-0.9% YoY
|
47% |
| Loan To Share |
79.2%
-1.1% YoY+0.3% QoQ
|
+6.5% |
72.7%
-1.5% YoY
|
76.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
61% |
| AMR |
$14,017
-11.2% YoY-16.0% QoQ
|
$-10K |
$24,363
+2.9% YoY
|
$17,441
+4.0% YoY
|
$19,418
+1.3% YoY
|
Bottom 6.6% in tier |
| CD Concentration |
17.5%
+11.1% YoY+3.2% QoQ
|
-6.9% |
24.4%
+4.2% YoY
|
20.6%
+2.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
0.1%
-56.9% YoY-17.7% QoQ
|
-13.9% |
14.0%
-5.7% YoY
|
5.3%
-2.9% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (1)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)