BlastPoint's Credit Union Scorecard
GREENSBORO
Charter #63445 · NC
GREENSBORO has 2 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.24% above tier average
- + Net Worth Ratio: Top 3.9% in tier
Key Concerns
Areas that may need attention
- - ROA 1.48% below tier average
- - Efficiency ratio 11.83% above tier (higher cost structure)
- - Delinquency rate 4.34% above tier average
- - Member decline: -3.1% YoY
- - Deposit Growth Rate: Bottom 4.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 5.3% in tier
- - Asset Growth Rate: Bottom 6.4% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 31 that size in North Carolina.
- Shares and deposits -13.6% year over year ($10.2M in shares and deposits).
- Membership: 1,430 members, -3.1% vs a year ago.
- Delinquency rate 5.89%.
- Return on assets 0.02%.
- Efficiency ratio 100.60% vs a 88.77% peer average.
- Loan-to-share ratio 86.80% vs a 58.89% 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 |
1,430
-3.1% YoY+0.7% QoQ
|
-1.2K |
2,585
-1.7% YoY
|
91,933
+2.2% YoY
|
34,678
+6.6% YoY
|
39% |
| Assets |
$15.6M
-9.3% YoY-2.1% QoQ
|
$-14.6M |
$30.3M
+1.5% YoY
|
$1.6B
+7.2% YoY
|
$593.1M
+10.2% YoY
|
42% |
| Loans |
$8.8M
+0.4% YoY+0.7% QoQ
|
$-6.6M |
$15.5M
-1.7% YoY
|
$1.1B
+5.6% YoY
|
$418.6M
+10.1% YoY
|
48% |
| Deposits |
$10.2M
-13.6% YoY-3.0% QoQ
|
$-15.6M |
$25.8M
+1.1% YoY
|
$1.4B
+7.1% YoY
|
$504.8M
+10.3% YoY
|
36% |
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| ROA |
0.0%
-87.4% QoQ
|
-1.5% |
1.5%
+241.5% YoY
|
0.9%
+189.6% YoY
|
1.2%
+121.4% YoY
|
Bottom 0.9% in tier |
| NIM |
4.1%
+0.0% YoY+1.6% QoQ
|
+0.2% |
3.9%
+0.9% YoY
|
4.0%
+0.2% YoY
|
3.8%
+2.3% YoY
|
62% |
| Efficiency Ratio |
100.6%
+4.0% YoY+3.6% QoQ
|
+11.8% |
88.8%
-6.9% YoY
|
83.1%
+0.7% YoY
|
83.0%
-5.3% YoY
|
Bottom 13.1% in tier |
| Delinquency Rate |
5.9%
+99.7% YoY+65.6% QoQ
|
+4.3 |
1.5%
+2.1% YoY
|
1.5%
+12.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 5.3% in tier |
| Loan To Share |
86.8%
+16.3% YoY+3.8% QoQ
|
+27.9% |
58.9%
-3.1% YoY
|
74.9%
+0.0% YoY
|
66.4%
-1.4% YoY
|
Top 12.3% in tier |
| AMR |
$13,293
-4.7% YoY-2.0% QoQ
|
$-2K |
$14,963
-6.8% YoY
|
$17,976
+4.0% YoY
|
$20,028
-0.9% YoY
|
46% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 21.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 4.6% | 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)