BlastPoint's Credit Union Scorecard

SUMMIT

Charter #63020 · NC

100M-500M

1070 CUs in 100M-500M nationally 13 in NC

SUMMIT has 3 strengths but faces 7 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

+ ROA 0.06% above tier average
+ Net Interest Margin 0.84% above tier average
+ Total Members: Top 5.7% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Delinquency rate 0.42% above tier average
- Member decline: -3.1% YoY
- Net Charge-Off Rate: Bottom 8.4% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Members	30,746 -3.1% YoY-17.5% QoQ	+15.6K	15,145 -2.5% YoY	91,843 +3.2% YoY	33,913 +5.7% YoY	Top 5.8% in tier
Assets	$369.4M +2.5% YoY+2.5% QoQ	+$137.7M	$231.7M +0.8% YoY	$1.6B +7.7% YoY	$578.3M +9.0% YoY	85%
Loans	$232.6M +1.4% YoY-0.0% QoQ	+$88.5M	$144.1M +0.2% YoY	$1.1B +5.7% YoY	$402.4M +8.7% YoY	84%
Deposits	$299.9M +1.7% YoY+2.9% QoQ	+$98.8M	$201.1M +0.4% YoY	$1.4B +7.2% YoY	$494.3M +9.1% YoY	81%

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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% +23.0% YoY+3.2% QoQ	+0.1%	0.7% +5.1% YoY	0.4% +21.7% YoY	0.4% -39.2% YoY	57%
NIM	4.5% +2.6% YoY-0.4% QoQ	+0.8%	3.6% +4.6% YoY	4.0% +0.2% YoY	3.8% +4.1% YoY	Top 10.3% in tier
Efficiency Ratio	69.5% -11.1% YoY-4.5% QoQ	-8.5%	78.0% -1.7% YoY	84.1% +2.7% YoY	84.6% +2.8% YoY	23%
Delinquency Rate	1.2% +74.6% YoY+29.0% QoQ	+0.4	0.8% +7.1% YoY	1.3% -24.7% YoY	1.2% +3.4% YoY	83%
Loan To Share	77.6% -0.2% YoY-2.9% QoQ	+7.1%	70.4% -0.4% YoY	74.3% +0.8% YoY	65.6% -1.4% YoY	62%
AMR	$17,320 +4.8% YoY+23.2% QoQ	$-8K	$24,918 +2.7% YoY	$17,856 +2.9% YoY	$19,920 +1.6% YoY	18%
CD Concentration	18.0% +8.7% YoY-1.0% QoQ	-6.3%	24.3%	21.2%	19.8%	50%
Indirect Auto %	0.1% -59.1% YoY-20.5% QoQ	-13.8%	13.8%	4.9%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Credit Quality Pressure

risk

#112 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.51% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Stagnation Risk

risk

#190 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.13%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 1.44%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 1.19%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#249 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -3.13%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Credit Risk Growth

risk

#252 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 1.44%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.51% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 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 1070 peers in tier

Top Strengths (7 metrics)

Total Members

engagement

Value: 30,746

Peer Median: 13,200

#62 of 1070 Top 5.7% in 100M-500M tier

110

Net Interest Margin (NIM)

profitability

Value: 4.48%

Peer Median: 3.62%

#110 of 1070 Top 10.2% in 100M-500M tier

149

Net Worth Ratio

risk

Value: 15.16%

Peer Median: 11.45%

#149 of 1070 Top 13.8% in 100M-500M tier

163

Total Assets

balance_sheet

Value: $369.39M

Peer Median: $196.57M

#163 of 1070 Top 15.1% in 100M-500M tier

175

Total Loans

balance_sheet

Value: $232.61M

Peer Median: $121.41M

#175 of 1070 Top 16.3% in 100M-500M tier

203

Total Deposits

balance_sheet

Value: $299.91M

Peer Median: $171.29M

#203 of 1070 Top 18.9% in 100M-500M tier

249

Efficiency Ratio

profitability

Value: 69.48%

Peer Median: 78.68%

#249 of 1070 Top 23.2% in 100M-500M tier

Top Weaknesses (4 metrics)

981

Net Charge-Off Rate

risk

Value: 1.14%

Peer Median: 0.35%

#981 of 1070 Bottom 8.4% in 100M-500M tier

891

Total Delinquency Rate (60+ days)

risk

Value: 1.19%

Peer Median: 0.61%

#891 of 1070 Bottom 16.8% in 100M-500M tier

878

Average Member Relationship (AMR)

engagement

Value: $17,320

Peer Median: $22,931

#878 of 1070 Bottom 18.0% in 100M-500M tier

861

Member Growth Rate

growth

Value: -3.13%

Peer Median: -0.06%

#861 of 1070 Bottom 19.6% in 100M-500M tier