BlastPoint's Credit Union Scorecard
GREATER KINSTON
Charter #64034 · NC
GREATER KINSTON has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 3.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.65% below tier average
- - Efficiency ratio 2.19% above tier (higher cost structure)
- - Delinquency rate 0.29% above tier average
- - First Mortgage Concentration (%): Bottom 1.7% in tier
- - Net Charge-Off Rate: Bottom 4.0% in tier
- - Share Certificate Concentration (%): Bottom 8.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,996
-1.5% YoY+0.6% QoQ
|
+1.4K |
2,625
-2.2% YoY
|
91,841
+6.6% YoY
|
33,089
+6.1% YoY
|
79% |
| Assets |
$14.2M
+0.9% YoY-0.9% QoQ
|
$-15.6M |
$29.9M
+1.1% YoY
|
$1.5B
+5.5% YoY
|
$547.7M
+7.8% YoY
|
40% |
| Loans |
$9.8M
+0.0% YoY-3.2% QoQ
|
$-6.0M |
$15.8M
-2.4% YoY
|
$1.1B
+9.9% YoY
|
$388.7M
+8.6% YoY
|
50% |
| Deposits |
$12.2M
+1.3% YoY-1.1% QoQ
|
$-13.3M |
$25.5M
+0.4% YoY
|
$1.3B
+12.1% YoY
|
$464.6M
+9.3% YoY
|
41% |
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| ROA |
0.0%
-94.8% YoY-14.0% QoQ
|
-0.6% |
0.7%
-731.4% YoY
|
0.4%
-19.0% YoY
|
0.7%
+273.4% YoY
|
18% |
| NIM |
3.8%
-0.2% YoY+2.6% QoQ
|
-0.2% |
3.9%
+3.8% YoY
|
4.1%
+4.0% YoY
|
3.7%
+5.0% YoY
|
45% |
| Efficiency Ratio |
83.6%
+4.7% YoY+2.8% QoQ
|
+2.2% |
81.4%
-2.4% YoY
|
81.5%
-1.2% YoY
|
79.1%
-3.3% YoY
|
63% |
| Delinquency Rate |
1.8%
-23.2% YoY-25.6% QoQ
|
+0.3 |
1.5%
-2.0% YoY
|
1.5%
+2.4% YoY
|
1.2%
-0.9% YoY
|
77% |
| Loan To Share |
80.4%
-1.3% YoY-2.0% QoQ
|
+19.2% |
61.2%
-3.0% YoY
|
76.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
78% |
| AMR |
$5,494
+2.2% YoY-2.6% QoQ
|
$-9K |
$14,627
-2.7% YoY
|
$17,441
+4.0% YoY
|
$19,418
+1.3% YoY
|
Bottom 10.5% in tier |
| CD Concentration |
38.2%
-0.9% YoY+1.7% QoQ
|
+13.8% |
24.4%
+4.2% YoY
|
20.6%
+2.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.3%
-2.9% YoY
|
7.9%
-2.9% YoY
|
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)