BlastPoint's Credit Union Scorecard
GREENSBORO
Charter #63445 · NC
GREENSBORO has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.38% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 4.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.46% below tier average
- - Efficiency ratio 10.07% above tier (higher cost structure)
- - Delinquency rate 1.45% above tier average
- - Member decline: -4.7% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,459
-4.7% YoY0% QoQ
|
-1.2K |
2,615
-1.9% YoY
|
91,719
+6.9% YoY
|
33,374
+5.7% YoY
|
40% |
| Assets |
$16.4M
-4.8% YoY-1.2% QoQ
|
$-13.8M |
$30.1M
+2.1% YoY
|
$1.6B
+12.6% YoY
|
$561.6M
+9.7% YoY
|
43% |
| Loans |
$9.0M
+3.7% YoY+1.5% QoQ
|
$-6.8M |
$15.8M
-1.3% YoY
|
$1.1B
+9.8% YoY
|
$397.0M
+8.8% YoY
|
48% |
| Deposits |
$11.1M
-5.7% YoY-0.4% QoQ
|
$-14.6M |
$25.7M
+1.4% YoY
|
$1.4B
+12.2% YoY
|
$477.3M
+9.7% YoY
|
39% |
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| ROA |
0.2%
-21.8% YoY+300.9% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.2%
-40.7% YoY
|
0.7%
+15.9% YoY
|
24% |
| NIM |
4.3%
+0.3% YoY+1.3% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
4.1%
+4.6% YoY
|
3.8%
+5.1% YoY
|
68% |
| Efficiency Ratio |
92.6%
+3.0% YoY-4.0% QoQ
|
+10.1% |
82.6%
-2.3% YoY
|
80.6%
-3.1% YoY
|
79.7%
-3.3% YoY
|
80% |
| Delinquency Rate |
3.0%
+53.4% YoY-33.0% QoQ
|
+1.5 |
1.6%
-3.1% YoY
|
2.1%
-15.0% YoY
|
1.3%
-2.1% YoY
|
Top 12.9% in tier |
| Loan To Share |
81.0%
+10.0% YoY+1.8% QoQ
|
+20.4% |
60.6%
-3.1% YoY
|
75.9%
+1.0% YoY
|
67.4%
-1.7% YoY
|
79% |
| AMR |
$13,752
+3.2% YoY+0.4% QoQ
|
$-1K |
$14,783
-1.4% YoY
|
$17,588
+4.6% YoY
|
$19,687
+2.0% YoY
|
50% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.1% | 7.8% | 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)