BlastPoint's Credit Union Scorecard
SELF-HELP
Charter #66258 · NC
SELF-HELP has 8 strengths but faces 7 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 34.5% in tier
- + Organic Growth Engine: Top 47.9% in tier
- + Organic Growth Leader: Top 47.9% in tier
- + ROA 0.06% above tier average
- + Net Interest Margin 0.19% 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 6.5% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 0.5% in tier
- - Credit Quality Pressure: Bottom 2.4% in tier
- - Credit Risk Growth: Bottom 34.2% in tier
- - Delinquency rate 1.08% above tier average
- - First Mortgage Concentration (%): Bottom 1.6% in tier
- - Fee Income Per Member: Bottom 3.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
100,933
+2.3% YoY+1.3% QoQ
|
+4.9K |
96,048
-2.7% YoY
|
91,843
+3.2% YoY
|
33,913
+5.7% YoY
|
64% |
| Assets |
$2.2B
+5.4% YoY-0.4% QoQ
|
+$432.6M |
$1.7B
+0.4% YoY
|
$1.6B
+7.7% YoY
|
$578.3M
+9.0% YoY
|
74% |
| Loans |
$1.9B
+8.1% YoY-0.0% QoQ
|
+$687.5M |
$1.2B
+0.2% YoY
|
$1.1B
+5.7% YoY
|
$402.4M
+8.7% YoY
|
Top 11.1% in tier |
| Deposits |
$1.6B
+5.4% YoY-1.9% QoQ
|
+$108.3M |
$1.5B
+0.5% YoY
|
$1.4B
+7.2% YoY
|
$494.3M
+9.1% YoY
|
63% |
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| ROA |
0.8%
+43.8% YoY-35.2% QoQ
|
+0.1% |
0.7%
+27.6% YoY
|
0.4%
+21.7% YoY
|
0.4%
-39.2% YoY
|
61% |
| NIM |
3.5%
-1.4% YoY-1.6% QoQ
|
+0.2% |
3.4%
+6.2% YoY
|
4.0%
+0.2% YoY
|
3.8%
+4.1% YoY
|
61% |
| Efficiency Ratio |
73.0%
+0.5% YoY+15.7% QoQ
|
-1.7% |
74.6%
-3.0% YoY
|
84.1%
+2.7% YoY
|
84.6%
+2.8% YoY
|
41% |
| Delinquency Rate |
1.8%
+90.4% YoY-1.1% QoQ
|
+1.1 |
0.8%
+6.9% YoY
|
1.3%
-24.7% YoY
|
1.2%
+3.4% YoY
|
Bottom 3.9% in tier |
| Loan To Share |
120.8%
+2.6% YoY+1.9% QoQ
|
+37.6% |
83.2%
-0.4% YoY
|
74.3%
+0.8% YoY
|
65.6%
-1.4% YoY
|
Top 0.7% in tier |
| AMR |
$34,429
+4.5% YoY-2.2% QoQ
|
+$5K |
$29,652
+2.3% YoY
|
$17,856
+2.9% YoY
|
$19,920
+1.6% YoY
|
80% |
| CD Concentration |
20.1%
+10.4% YoY-57.4% QoQ
|
-8.7% | 28.8% | 21.2% | 19.8% | Bottom 14.1% in tier |
| Indirect Auto % |
0.3%
-14.8% QoQ
|
-17.8% | 18.1% | 4.9% | 7.7% | Top 14.6% in tier |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (3)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)