BlastPoint's Credit Union Scorecard
TCP
Charter #65384 · NC
TCP has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.18% above tier average
- + Net Interest Margin 0.81% above tier average
- + Deposit Growth Rate: Top 6.8% in tier
- + Asset Growth Rate: Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 4.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,099
+1.7% YoY-2.3% QoQ
|
-577 |
2,676
+1.6% YoY
|
91,843
+3.2% YoY
|
33,913
+5.7% YoY
|
54% |
| Assets |
$16.0M
+9.5% YoY+3.6% QoQ
|
$-14.2M |
$30.2M
+1.3% YoY
|
$1.6B
+7.7% YoY
|
$578.3M
+9.0% YoY
|
42% |
| Loans |
$9.9M
-5.7% YoY-0.6% QoQ
|
$-5.3M |
$15.3M
-2.0% YoY
|
$1.1B
+5.7% YoY
|
$402.4M
+8.7% YoY
|
51% |
| Deposits |
$13.2M
+11.3% YoY+4.1% QoQ
|
$-12.6M |
$25.8M
+0.7% YoY
|
$1.4B
+7.2% YoY
|
$494.3M
+9.1% YoY
|
42% |
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| ROA |
0.3%
-61.8% YoY-13.1% QoQ
|
+0.2% |
0.1%
-77.6% YoY
|
0.4%
+21.7% YoY
|
0.4%
-39.2% YoY
|
37% |
| NIM |
4.8%
-11.5% YoY-9.7% QoQ
|
+0.8% |
4.0%
+4.0% YoY
|
4.0%
+0.2% YoY
|
3.8%
+4.1% YoY
|
Top 14.7% in tier |
| Efficiency Ratio |
88.9%
+10.6% YoY+13.9% QoQ
|
-1.8% |
90.6%
+6.5% YoY
|
84.1%
+2.7% YoY
|
84.6%
+2.8% YoY
|
67% |
| Delinquency Rate |
0.2%
-76.9% YoY-85.3% QoQ
|
-1.3 |
1.5%
+3.8% YoY
|
1.3%
-24.7% YoY
|
1.2%
+3.4% YoY
|
29% |
| Loan To Share |
75.3%
-15.3% YoY-4.5% QoQ
|
+16.8% |
58.5%
-3.0% YoY
|
74.3%
+0.8% YoY
|
65.6%
-1.4% YoY
|
75% |
| AMR |
$11,027
+1.6% YoY+4.4% QoQ
|
$-4K |
$14,884
-1.7% YoY
|
$17,856
+2.9% YoY
|
$19,920
+1.6% YoY
|
33% |
| CD Concentration |
47.0%
+0.0% YoY+2.7% QoQ
|
+22.8% | 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)