BlastPoint's Credit Union Scorecard
GREATER KINSTON
Charter #64034 · NC
GREATER KINSTON has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Members Per Employee (MPE): Top 3.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.08% below tier average
- - Member decline: -3.3% YoY
- - First Mortgage Concentration (%): Bottom 1.9% in tier
- - Share Certificate Concentration (%): Bottom 9.3% in tier
- - Net Charge-Off Rate: Bottom 9.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,833
-3.3% YoY+0.1% QoQ
|
+1.2K |
2,676
+1.6% YoY
|
91,843
+3.2% YoY
|
33,913
+5.7% YoY
|
78% |
| Assets |
$14.3M
-2.4% YoY-0.2% QoQ
|
$-15.9M |
$30.2M
+1.3% YoY
|
$1.6B
+7.7% YoY
|
$578.3M
+9.0% YoY
|
40% |
| Loans |
$9.1M
-10.8% YoY-3.6% QoQ
|
$-6.2M |
$15.3M
-2.0% YoY
|
$1.1B
+5.7% YoY
|
$402.4M
+8.7% YoY
|
49% |
| Deposits |
$12.3M
-1.4% YoY-0.3% QoQ
|
$-13.5M |
$25.8M
+0.7% YoY
|
$1.4B
+7.2% YoY
|
$494.3M
+9.1% YoY
|
41% |
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| ROA |
0.1%
-107.7% QoQ
|
-0.1% |
0.1%
-77.6% YoY
|
0.4%
+21.7% YoY
|
0.4%
-39.2% YoY
|
24% |
| NIM |
3.7%
+1.9% YoY-3.0% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
4.0%
+0.2% YoY
|
3.8%
+4.1% YoY
|
43% |
| Efficiency Ratio |
87.0%
+8.7% YoY+3.4% QoQ
|
-3.6% |
90.6%
+6.5% YoY
|
84.1%
+2.7% YoY
|
84.6%
+2.8% YoY
|
63% |
| Delinquency Rate |
1.2%
-57.1% YoY-49.3% QoQ
|
-0.3 |
1.5%
+3.8% YoY
|
1.3%
-24.7% YoY
|
1.2%
+3.4% YoY
|
67% |
| Loan To Share |
73.7%
-9.5% YoY-3.4% QoQ
|
+15.2% |
58.5%
-3.0% YoY
|
74.3%
+0.8% YoY
|
65.6%
-1.4% YoY
|
73% |
| AMR |
$5,585
-2.4% YoY-1.8% QoQ
|
$-9K |
$14,884
-1.7% YoY
|
$17,856
+2.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 10.6% in tier |
| CD Concentration |
37.5%
+1.4% YoY+0.6% QoQ
|
+13.3% | 24.3% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.9% | 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)