BlastPoint's Credit Union Scorecard
GREATER KINSTON
Charter #64034 · NC
GREATER KINSTON has 2 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 3.5% in tier
Key Concerns
Areas that may need attention
- - ROA 1.42% below tier average
- - Efficiency ratio 1.58% above tier (higher cost structure)
- - Delinquency rate 0.73% above tier average
- - Member decline: -2.7% YoY
- - First Mortgage Concentration (%): Bottom 1.8% in tier
- - Net Charge-Off Rate: Bottom 5.3% in tier
- - Share Certificate Concentration (%): Bottom 9.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,829
-2.7% YoY-4.2% QoQ
|
+1.2K |
2,615
-1.9% YoY
|
91,719
+6.9% YoY
|
33,374
+5.7% YoY
|
77% |
| Assets |
$14.3M
+2.5% YoY+0.4% QoQ
|
$-15.9M |
$30.1M
+2.1% YoY
|
$1.6B
+12.6% YoY
|
$561.6M
+9.7% YoY
|
40% |
| Loans |
$9.4M
-1.4% YoY-3.6% QoQ
|
$-6.3M |
$15.8M
-1.3% YoY
|
$1.1B
+9.8% YoY
|
$397.0M
+8.8% YoY
|
49% |
| Deposits |
$12.4M
+4.4% YoY+1.5% QoQ
|
$-13.3M |
$25.7M
+1.4% YoY
|
$1.4B
+12.2% YoY
|
$477.3M
+9.7% YoY
|
41% |
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| ROA |
-0.8%
-258.4% YoY-2505.0% QoQ
|
-1.4% |
0.6%
+10.8% YoY
|
0.2%
-40.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 6.7% in tier |
| NIM |
3.8%
+0.8% YoY+0.1% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
4.1%
+4.6% YoY
|
3.8%
+5.1% YoY
|
45% |
| Efficiency Ratio |
84.1%
+2.6% YoY+0.7% QoQ
|
+1.6% |
82.6%
-2.3% YoY
|
80.6%
-3.1% YoY
|
79.7%
-3.3% YoY
|
61% |
| Delinquency Rate |
2.3%
-48.7% YoY+27.0% QoQ
|
+0.7 |
1.6%
-3.1% YoY
|
2.1%
-15.0% YoY
|
1.3%
-2.1% YoY
|
81% |
| Loan To Share |
76.3%
-5.5% YoY-5.1% QoQ
|
+15.7% |
60.6%
-3.1% YoY
|
75.9%
+1.0% YoY
|
67.4%
-1.7% YoY
|
73% |
| AMR |
$5,688
+4.6% YoY+3.5% QoQ
|
$-9K |
$14,783
-1.4% YoY
|
$17,588
+4.6% YoY
|
$19,687
+2.0% YoY
|
Bottom 10.8% in tier |
| CD Concentration |
37.3%
-4.3% YoY-2.2% QoQ
|
+12.9% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.1% | 7.8% | 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)