BlastPoint's Credit Union Scorecard
GREATER KINSTON
Charter #64034 · NC
GREATER KINSTON has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Members Per Employee (MPE): Top 3.2% in tier
Key Concerns
Areas that may need attention
- - ROA 1.00% below tier average
- - Member decline: -2.7% YoY
- - First Mortgage Concentration (%): Bottom 1.6% in tier
- - Share Certificate Concentration (%): Bottom 8.4% 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 +1.1% year over year ($12.4M in shares and deposits).
- Membership: 3,868 members, -2.7% vs a year ago.
- Delinquency rate 1.28%.
- Return on assets 0.49%.
- Efficiency ratio 88.59% vs a 88.77% peer average.
- Loan-to-share ratio 76.89% 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 |
3,868
-2.7% YoY+0.9% QoQ
|
+1.3K |
2,585
-1.7% YoY
|
91,933
+2.2% YoY
|
34,678
+6.6% YoY
|
78% |
| Assets |
$14.3M
-0.2% YoY+0.5% QoQ
|
$-15.9M |
$30.3M
+1.5% YoY
|
$1.6B
+7.2% YoY
|
$593.1M
+10.2% YoY
|
40% |
| Loans |
$9.6M
-5.3% YoY+5.3% QoQ
|
$-5.9M |
$15.5M
-1.7% YoY
|
$1.1B
+5.6% YoY
|
$418.6M
+10.1% YoY
|
50% |
| Deposits |
$12.4M
+1.1% YoY+1.0% QoQ
|
$-13.4M |
$25.8M
+1.1% YoY
|
$1.4B
+7.1% YoY
|
$504.8M
+10.3% YoY
|
41% |
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| ROA |
0.5%
+690.4% QoQ
|
-1.0% |
1.5%
+241.5% YoY
|
0.9%
+189.6% YoY
|
1.2%
+121.4% YoY
|
30% |
| NIM |
3.7%
+1.2% YoY+1.6% QoQ
|
-0.2% |
3.9%
+0.9% YoY
|
4.0%
+0.2% YoY
|
3.8%
+2.3% YoY
|
44% |
| Efficiency Ratio |
88.6%
+8.9% YoY+1.8% QoQ
|
-0.2% |
88.8%
-6.9% YoY
|
83.1%
+0.7% YoY
|
83.0%
-5.3% YoY
|
69% |
| Delinquency Rate |
1.3%
-47.2% YoY+10.3% QoQ
|
-0.3 |
1.5%
+2.1% YoY
|
1.5%
+12.0% YoY
|
1.3%
+2.6% YoY
|
68% |
| Loan To Share |
76.9%
-6.3% YoY+4.3% QoQ
|
+18.0% |
58.9%
-3.1% YoY
|
74.9%
+0.0% YoY
|
66.4%
-1.4% YoY
|
76% |
| AMR |
$5,692
+0.9% YoY+1.9% QoQ
|
$-9K |
$14,963
-6.8% YoY
|
$17,976
+4.0% YoY
|
$20,028
-0.9% YoY
|
Bottom 10.5% in tier |
| CD Concentration |
39.2%
+4.5% YoY+4.5% QoQ
|
+14.7% | 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)