BlastPoint's Credit Union Scorecard
TELCO COMMUNITY CREDIT UNION
Charter #63545 · NC
TELCO COMMUNITY CREDIT UNION has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 63.3% in tier
- + Profitability Leader: Top 99.1% in tier
- + ROA 0.34% above tier average
- + Total Members: Top 4.3% in tier
- + Total Deposits: Top 8.4% in tier
- + Total Assets: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 17.2% in tier
- - Delinquency rate 0.12% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
35,140
+0.1% YoY-0.0% QoQ
|
+19.5K |
15,628
-3.4% YoY
|
91,841
+6.6% YoY
|
33,089
+6.1% YoY
|
Top 4.4% in tier |
| Assets |
$413.1M
+8.7% YoY+0.6% QoQ
|
+$181.8M |
$231.3M
-0.0% YoY
|
$1.5B
+5.5% YoY
|
$547.7M
+7.8% YoY
|
Top 9.0% in tier |
| Loans |
$225.4M
+4.4% YoY+2.6% QoQ
|
+$77.6M |
$147.8M
-1.4% YoY
|
$1.1B
+9.9% YoY
|
$388.7M
+8.6% YoY
|
81% |
| Deposits |
$361.9M
+8.1% YoY+0.4% QoQ
|
+$161.6M |
$200.3M
-0.0% YoY
|
$1.3B
+12.1% YoY
|
$464.6M
+9.3% YoY
|
Top 8.5% in tier |
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| ROA |
1.1%
-12.9% YoY-3.9% QoQ
|
+0.3% |
0.8%
+15.5% YoY
|
0.4%
-19.0% YoY
|
0.7%
+273.4% YoY
|
73% |
| NIM |
3.3%
+5.5% YoY+1.9% QoQ
|
-0.3% |
3.6%
+6.9% YoY
|
4.1%
+4.0% YoY
|
3.7%
+5.0% YoY
|
32% |
| Efficiency Ratio |
72.6%
+3.9% YoY+1.4% QoQ
|
-4.7% |
77.3%
-3.0% YoY
|
81.5%
-1.2% YoY
|
79.1%
-3.3% YoY
|
33% |
| Delinquency Rate |
1.0%
-6.0% YoY-14.6% QoQ
|
+0.1 |
0.9%
+7.6% YoY
|
1.5%
+2.4% YoY
|
1.2%
-0.9% YoY
|
69% |
| Loan To Share |
62.3%
-3.4% YoY+2.2% QoQ
|
-10.4% |
72.7%
-1.5% YoY
|
76.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
26% |
| AMR |
$16,714
+6.6% YoY+1.2% QoQ
|
$-8K |
$24,363
+2.9% YoY
|
$17,441
+4.0% YoY
|
$19,418
+1.3% YoY
|
17% |
| CD Concentration |
23.6%
+6.7% YoY+6.0% QoQ
|
-0.8% |
24.4%
+4.2% YoY
|
20.6%
+2.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
13.8%
-26.0% YoY-10.1% QoQ
|
-0.1% |
14.0%
-5.7% YoY
|
5.3%
-2.9% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)