BlastPoint's Credit Union Scorecard
TCP
Charter #65384 · NC
TCP has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.38% above tier average
- + Strong member growth: 5.9% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 4.4% in tier
- + Member Growth Rate: Top 5.1% in tier
- + Asset Growth Rate: Top 6.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.24% below tier average
- - Share Certificate Concentration (%): Bottom 5.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,148
+5.9% YoY-0.2% QoQ
|
-467 |
2,615
-1.9% YoY
|
91,719
+6.9% YoY
|
33,374
+5.7% YoY
|
54% |
| Assets |
$15.5M
+11.7% YoY+4.4% QoQ
|
$-14.7M |
$30.1M
+2.1% YoY
|
$1.6B
+12.6% YoY
|
$561.6M
+9.7% YoY
|
42% |
| Loans |
$10.0M
-3.5% YoY-3.0% QoQ
|
$-5.8M |
$15.8M
-1.3% YoY
|
$1.1B
+9.8% YoY
|
$397.0M
+8.8% YoY
|
51% |
| Deposits |
$12.7M
+14.1% YoY+5.5% QoQ
|
$-13.0M |
$25.7M
+1.4% YoY
|
$1.4B
+12.2% YoY
|
$477.3M
+9.7% YoY
|
42% |
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| ROA |
0.4%
-587.3% YoY-27.2% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
0.2%
-40.7% YoY
|
0.7%
+15.9% YoY
|
34% |
| NIM |
5.3%
-2.5% YoY-1.3% QoQ
|
+1.4% |
4.0%
+4.0% YoY
|
4.1%
+4.6% YoY
|
3.8%
+5.1% YoY
|
Top 8.8% in tier |
| Efficiency Ratio |
78.0%
-7.1% YoY-0.7% QoQ
|
-4.5% |
82.6%
-2.3% YoY
|
80.6%
-3.1% YoY
|
79.7%
-3.3% YoY
|
46% |
| Delinquency Rate |
1.5%
+43.4% YoY-26.3% QoQ
|
-0.1 |
1.6%
-3.1% YoY
|
2.1%
-15.0% YoY
|
1.3%
-2.1% YoY
|
71% |
| Loan To Share |
78.9%
-15.5% YoY-8.1% QoQ
|
+18.3% |
60.6%
-3.1% YoY
|
75.9%
+1.0% YoY
|
67.4%
-1.7% YoY
|
77% |
| AMR |
$10,558
-0.3% YoY+1.8% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$17,588
+4.6% YoY
|
$19,687
+2.0% YoY
|
31% |
| CD Concentration |
45.8%
+11.4% YoY-2.5% QoQ
|
+21.4% | 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)