BlastPoint's Credit Union Scorecard
SUMMIT
Charter #63020 · NC
SUMMIT has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.88% above tier average
- + Total Members: Top 6.0% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Flatlined Growth: Bottom 50.0% in tier
- - Member decline: -2.7% YoY
- - Net Charge-Off Rate: Bottom 6.1% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 13 that size in North Carolina.
- Shares and deposits +1.2% year over year ($298M in shares and deposits).
- Membership: 30,745 members, -2.7% vs a year ago.
- Delinquency rate 0.71%.
- Return on assets 0.91%.
- Efficiency ratio 68.35% vs a 76.73% peer average.
- Loan-to-share ratio 78.29% vs a 71.54% 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 |
30,745
-2.7% YoY-0.0% QoQ
|
+15.6K |
15,168
-2.6% YoY
|
91,933
+2.2% YoY
|
34,678
+6.6% YoY
|
Top 6.1% in tier |
| Assets |
$368.8M
+1.8% YoY-0.2% QoQ
|
+$136.8M |
$232.0M
+0.7% YoY
|
$1.6B
+7.2% YoY
|
$593.1M
+10.2% YoY
|
Top 15.0% in tier |
| Loans |
$233.6M
+0.4% YoY+0.4% QoQ
|
+$87.4M |
$146.3M
+0.2% YoY
|
$1.1B
+5.6% YoY
|
$418.6M
+10.1% YoY
|
84% |
| Deposits |
$298.4M
+1.2% YoY-0.5% QoQ
|
+$97.7M |
$200.7M
+0.2% YoY
|
$1.4B
+7.1% YoY
|
$504.8M
+10.3% YoY
|
81% |
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| ROA |
0.9%
+54.2% YoY+14.7% QoQ
|
+0.0% |
0.9%
+12.5% YoY
|
0.9%
+189.6% YoY
|
1.2%
+121.4% YoY
|
59% |
| NIM |
4.6%
+2.3% YoY+2.0% QoQ
|
+0.9% |
3.7%
+4.5% YoY
|
4.0%
+0.2% YoY
|
3.8%
+2.3% YoY
|
Top 9.3% in tier |
| Efficiency Ratio |
68.4%
-10.5% YoY-1.6% QoQ
|
-8.4% |
76.7%
-0.8% YoY
|
83.1%
+0.7% YoY
|
83.0%
-5.3% YoY
|
22% |
| Delinquency Rate |
0.7%
-5.5% YoY-40.4% QoQ
|
-0.2 |
0.9%
+6.6% YoY
|
1.5%
+12.0% YoY
|
1.3%
+2.6% YoY
|
51% |
| Loan To Share |
78.3%
-0.8% YoY+0.9% QoQ
|
+6.7% |
71.5%
-0.3% YoY
|
74.9%
+0.0% YoY
|
66.4%
-1.4% YoY
|
60% |
| AMR |
$17,304
+3.7% YoY-0.1% QoQ
|
$-8K |
$25,107
+3.2% YoY
|
$17,976
+4.0% YoY
|
$20,028
-0.9% YoY
|
18% |
| CD Concentration |
18.4%
+8.6% YoY+2.1% QoQ
|
-6.2% | 24.6% | 21.4% | 20.0% | 50% |
| Indirect Auto % |
0.0%
-61.4% YoY-25.7% QoQ
|
-13.6% | 13.6% | 4.6% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (3)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
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)