BlastPoint's Credit Union Scorecard
SELF-HELP
Charter #66258 · NC
SELF-HELP has 7 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does NC stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 22.6% in tier
- + Wallet Share Momentum: Top 22.6% in tier
- + ROA 0.34% above tier average
- + Net Interest Margin 0.20% above tier average
- + Net Worth Ratio: Top 0.3% in tier
- + Loan-to-Share Ratio: Top 0.3% in tier
- + Loan-to-Member Ratio (LMR): Top 6.3% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 0.5% in tier
- - Credit Quality Pressure: Bottom 37.1% in tier
- - Credit Risk Growth: Bottom 67.2% in tier
- - Stagnation Risk: Bottom 91.7% in tier
- - Membership Headwinds: Bottom 91.7% in tier
- - Delinquency rate 1.11% above tier average
- - Member decline: -3.2% YoY
- - First Mortgage Concentration (%): Bottom 1.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 6 that size in North Carolina.
- Shares and deposits +3.2% year over year ($1.59B in shares and deposits).
- Membership: 101,911 members, -3.2% vs a year ago.
- Delinquency rate 1.97%.
- Return on assets 1.16%.
- Efficiency ratio 68.37% vs a 73.02% peer average.
- Loan-to-share ratio 120.63% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
101,911
-3.2% YoY+1.0% QoQ
|
+5.0K |
96,861
-1.9% YoY
|
91,933
+2.2% YoY
|
34,678
+6.6% YoY
|
64% |
| Assets |
$2.2B
+3.8% YoY+0.9% QoQ
|
+$446.9M |
$1.7B
+0.4% YoY
|
$1.6B
+7.2% YoY
|
$593.1M
+10.2% YoY
|
75% |
| Loans |
$1.9B
+3.0% YoY+0.9% QoQ
|
+$684.7M |
$1.2B
+0.7% YoY
|
$1.1B
+5.6% YoY
|
$418.6M
+10.1% YoY
|
Top 11.3% in tier |
| Deposits |
$1.6B
+3.2% YoY+1.1% QoQ
|
+$127.5M |
$1.5B
+0.5% YoY
|
$1.4B
+7.1% YoY
|
$504.8M
+10.3% YoY
|
63% |
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| ROA |
1.2%
+55.4% YoY+48.3% QoQ
|
+0.3% |
0.8%
+27.6% YoY
|
0.9%
+189.6% YoY
|
1.2%
+121.4% YoY
|
80% |
| NIM |
3.6%
-0.5% YoY+2.4% QoQ
|
+0.2% |
3.4%
+6.6% YoY
|
4.0%
+0.2% YoY
|
3.8%
+2.3% YoY
|
63% |
| Efficiency Ratio |
68.4%
+1.7% YoY-6.3% QoQ
|
-4.7% |
73.0%
-2.7% YoY
|
83.1%
+0.7% YoY
|
83.0%
-5.3% YoY
|
30% |
| Delinquency Rate |
2.0%
+4.7% YoY+7.4% QoQ
|
+1.1 |
0.9%
+7.3% YoY
|
1.5%
+12.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 5.0% in tier |
| Loan To Share |
120.6%
-0.2% YoY-0.1% QoQ
|
+35.9% |
84.7%
+0.1% YoY
|
74.9%
+0.0% YoY
|
66.4%
-1.4% YoY
|
Top 0.7% in tier |
| AMR |
$34,440
+6.5% YoY+0.0% QoQ
|
+$5K |
$29,575
+1.5% YoY
|
$17,976
+4.0% YoY
|
$20,028
-0.9% YoY
|
80% |
| CD Concentration |
20.2%
+5.4% YoY+0.2% QoQ
|
-8.9% | 29.1% | 21.4% | 20.0% | Bottom 13.6% in tier |
| Indirect Auto % |
0.2%
-44.9% YoY-16.6% QoQ
|
-17.9% | 18.1% | 4.6% | 7.7% | Top 13.3% in tier |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)