BlastPoint's Credit Union Scorecard
TELCO COMMUNITY CREDIT UNION
Charter #63545 · NC
TELCO COMMUNITY CREDIT UNION has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 56.9% in tier
- + Organic Growth Leader: Top 93.7% in tier
- + ROA 0.86% above tier average
- + Total Members: Top 3.9% in tier
- + Total Deposits: Top 8.2% in tier
- + Total Assets: Top 8.8% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.31% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
34,862
+0.7% YoY-0.8% QoQ
|
+19.4K |
15,437
-2.9% YoY
|
91,719
+6.9% YoY
|
33,374
+5.7% YoY
|
Top 4.0% in tier |
| Assets |
$415.3M
+4.7% YoY+0.5% QoQ
|
+$183.5M |
$231.9M
+1.3% YoY
|
$1.6B
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Top 8.9% in tier |
| Loans |
$225.6M
+6.2% YoY+0.1% QoQ
|
+$78.2M |
$147.3M
-0.1% YoY
|
$1.1B
+9.8% YoY
|
$397.0M
+8.8% YoY
|
82% |
| Deposits |
$361.5M
+3.5% YoY-0.1% QoQ
|
+$160.7M |
$200.8M
+0.8% YoY
|
$1.4B
+12.2% YoY
|
$477.3M
+9.7% YoY
|
Top 8.3% in tier |
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| ROA |
1.6%
+35.0% YoY+44.1% QoQ
|
+0.9% |
0.8%
+18.2% YoY
|
0.2%
-40.7% YoY
|
0.7%
+15.9% YoY
|
Top 7.9% in tier |
| NIM |
3.3%
+8.1% YoY+1.4% QoQ
|
-0.3% |
3.6%
+6.7% YoY
|
4.1%
+4.6% YoY
|
3.8%
+5.1% YoY
|
34% |
| Efficiency Ratio |
65.3%
-8.2% YoY-10.1% QoQ
|
-11.7% |
77.0%
-3.1% YoY
|
80.6%
-3.1% YoY
|
79.7%
-3.3% YoY
|
16% |
| Delinquency Rate |
1.2%
-6.6% YoY+24.2% QoQ
|
+0.3 |
0.9%
+4.2% YoY
|
2.1%
-15.0% YoY
|
1.3%
-2.1% YoY
|
78% |
| Loan To Share |
62.4%
+2.7% YoY+0.2% QoQ
|
-9.8% |
72.2%
-1.1% YoY
|
75.9%
+1.0% YoY
|
67.4%
-1.7% YoY
|
28% |
| AMR |
$16,840
+3.8% YoY+0.8% QoQ
|
$-8K |
$24,676
+3.4% YoY
|
$17,588
+4.6% YoY
|
$19,687
+2.0% YoY
|
16% |
| CD Concentration |
24.4%
+6.4% YoY+3.4% QoQ
|
-0.1% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % |
12.7%
-28.4% YoY-8.4% QoQ
|
-1.1% | 13.8% | 5.1% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
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)