BlastPoint's Credit Union Scorecard
GREENSBORO
Charter #63445 · NC
GREENSBORO has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.06% above tier average
- + Net Worth Ratio: Top 4.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 6.49% above tier (higher cost structure)
- - Delinquency rate 2.05% above tier average
- - Member decline: -6.1% YoY
- - Deposit Growth Rate: Bottom 4.0% in tier
- - Asset Growth Rate: Bottom 5.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,420
-6.1% YoY-2.7% QoQ
|
-1.3K |
2,676
+1.6% YoY
|
91,843
+3.2% YoY
|
33,913
+5.7% YoY
|
39% |
| Assets |
$16.0M
-9.0% YoY-2.5% QoQ
|
$-14.2M |
$30.2M
+1.3% YoY
|
$1.6B
+7.7% YoY
|
$578.3M
+9.0% YoY
|
42% |
| Loans |
$8.8M
+2.2% YoY-2.3% QoQ
|
$-6.5M |
$15.3M
-2.0% YoY
|
$1.1B
+5.7% YoY
|
$402.4M
+8.7% YoY
|
48% |
| Deposits |
$10.5M
-13.1% YoY-5.3% QoQ
|
$-15.3M |
$25.8M
+0.7% YoY
|
$1.4B
+7.2% YoY
|
$494.3M
+9.1% YoY
|
37% |
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| ROA |
0.1%
+97.4% YoY-25.2% QoQ
|
+0.0% |
0.1%
-77.6% YoY
|
0.4%
+21.7% YoY
|
0.4%
-39.2% YoY
|
26% |
| NIM |
4.1%
+0.1% YoY-6.1% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
4.0%
+0.2% YoY
|
3.8%
+4.1% YoY
|
61% |
| Efficiency Ratio |
97.1%
-2.9% YoY+4.8% QoQ
|
+6.5% |
90.6%
+6.5% YoY
|
84.1%
+2.7% YoY
|
84.6%
+2.8% YoY
|
81% |
| Delinquency Rate |
3.6%
+73.7% YoY+18.2% QoQ
|
+2.1 |
1.5%
+3.8% YoY
|
1.3%
-24.7% YoY
|
1.2%
+3.4% YoY
|
Bottom 9.3% in tier |
| Loan To Share |
83.6%
+17.7% YoY+3.2% QoQ
|
+25.1% |
58.5%
-3.0% YoY
|
74.3%
+0.8% YoY
|
65.6%
-1.4% YoY
|
Top 14.6% in tier |
| AMR |
$13,571
-0.7% YoY-1.3% QoQ
|
$-1K |
$14,884
-1.7% YoY
|
$17,856
+2.9% YoY
|
$19,920
+1.6% YoY
|
48% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)