BlastPoint's Credit Union Scorecard
TCP
Charter #65384 · NC
TCP has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.47% above tier average
- + Strong member growth: 7.4% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 4.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.16% below tier average
- - Delinquency rate 0.50% above tier average
- - Share Certificate Concentration (%): Bottom 4.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,153
+7.4% YoY+1.8% QoQ
|
-472 |
2,625
-2.2% YoY
|
91,841
+6.6% YoY
|
33,089
+6.1% YoY
|
54% |
| Assets |
$14.8M
+6.1% YoY+0.2% QoQ
|
$-15.0M |
$29.9M
+1.1% YoY
|
$1.5B
+5.5% YoY
|
$547.7M
+7.8% YoY
|
41% |
| Loans |
$10.3M
-0.1% YoY-2.6% QoQ
|
$-5.5M |
$15.8M
-2.4% YoY
|
$1.1B
+9.9% YoY
|
$388.7M
+8.6% YoY
|
52% |
| Deposits |
$12.0M
+6.7% YoY+0.1% QoQ
|
$-13.4M |
$25.5M
+0.4% YoY
|
$1.3B
+12.1% YoY
|
$464.6M
+9.3% YoY
|
40% |
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| ROA |
0.5%
-254.4% YoY-15.4% QoQ
|
-0.2% |
0.7%
-731.4% YoY
|
0.4%
-19.0% YoY
|
0.7%
+273.4% YoY
|
38% |
| NIM |
5.4%
+1.4% YoY+0.3% QoQ
|
+1.5% |
3.9%
+3.8% YoY
|
4.1%
+4.0% YoY
|
3.7%
+5.0% YoY
|
Top 8.4% in tier |
| Efficiency Ratio |
78.6%
-9.4% YoY+1.3% QoQ
|
-2.8% |
81.4%
-2.4% YoY
|
81.5%
-1.2% YoY
|
79.1%
-3.3% YoY
|
50% |
| Delinquency Rate |
2.0%
+153.3% YoY+161.0% QoQ
|
+0.5 |
1.5%
-2.0% YoY
|
1.5%
+2.4% YoY
|
1.2%
-0.9% YoY
|
80% |
| Loan To Share |
85.8%
-6.4% YoY-2.7% QoQ
|
+24.6% |
61.2%
-3.0% YoY
|
76.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
84% |
| AMR |
$10,372
-3.7% YoY-2.9% QoQ
|
$-4K |
$14,627
-2.7% YoY
|
$17,441
+4.0% YoY
|
$19,418
+1.3% YoY
|
31% |
| CD Concentration |
46.9%
+12.8% YoY-1.3% QoQ
|
+22.5% |
24.4%
+4.2% YoY
|
20.6%
+2.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.3%
-2.9% YoY
|
7.9%
-2.9% YoY
|
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)