BlastPoint's Credit Union Scorecard

SELF-HELP

Charter #66258 · NC

Mid-Market 1B-3B

302 CUs in 1B-3B nationally 6 in NC

View Mid-Market leaderboard →

SELF-HELP has 12 strengths but faces 9 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

NC Analysis

How does NC stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 0.0% in tier
+ Organic Growth Leader: Top 9.2% in tier
+ Relationship Depth Leader: Top 92.2% in tier
+ ROA 0.52% above tier average
+ Net Interest Margin 0.32% above tier average
+ Strong member growth: 11.1% YoY
+ Net Worth Ratio: Top 0.3% in tier
+ Loan-to-Share Ratio: Top 0.3% in tier
+ Member Growth Rate: Top 4.6% in tier
+ Net Charge-Off Rate: Top 5.6% in tier
+ Loan-to-Member Ratio (LMR): Top 6.6% in tier
+ Loan Growth Rate: Top 9.6% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 0.0% in tier
- Credit Risk Growth: Bottom 1.2% in tier
- Credit Quality Pressure: Bottom 5.7% in tier
- Liquidity Overhang: Bottom 56.2% in tier
- Delinquency rate 0.96% above tier average
- First Mortgage Concentration (%): Bottom 1.7% in tier
- Share Certificate Concentration (%): Bottom 4.0% in tier
- Fee Income Per Member: Bottom 5.3% in tier
- Total Delinquency Rate (60+ days): Bottom 5.6% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Members	99,599 +11.1% YoY-1.1% QoQ	+2.2K	97,431 -2.4% YoY	91,719 +6.9% YoY	33,374 +5.7% YoY	61%
Assets	$2.2B +9.2% YoY+0.8% QoQ	+$438.3M	$1.7B +0.9% YoY	$1.6B +12.6% YoY	$561.6M +9.7% YoY	74%
Loans	$1.9B +14.3% YoY+1.5% QoQ	+$666.8M	$1.2B +0.5% YoY	$1.1B +9.8% YoY	$397.0M +8.8% YoY	Top 12.3% in tier
Deposits	$1.6B +12.0% YoY+0.9% QoQ	+$144.3M	$1.5B +0.9% YoY	$1.4B +12.2% YoY	$477.3M +9.7% YoY	65%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.2% +14.3% YoY+2.4% QoQ	+0.5%	0.7% +20.9% YoY	0.2% -40.7% YoY	0.7% +15.9% YoY	Top 11.9% in tier
NIM	3.6% +12.4% YoY-0.5% QoQ	+0.3%	3.3% +9.2% YoY	4.1% +4.6% YoY	3.8% +5.1% YoY	72%
Efficiency Ratio	63.1% -6.4% YoY-1.0% QoQ	-11.0%	74.1% -9.5% YoY	80.6% -3.1% YoY	79.7% -3.3% YoY	Bottom 10.6% in tier
Delinquency Rate	1.9% +63.8% YoY-7.1% QoQ	+1.0	0.9% +6.2% YoY	2.1% -15.0% YoY	1.3% -2.1% YoY	Top 5.6% in tier
Loan To Share	118.6% +2.0% YoY+0.5% QoQ	+33.8%	84.8% -0.8% YoY	75.9% +1.0% YoY	67.4% -1.7% YoY	Top 0.7% in tier
AMR	$35,190 +1.9% YoY+2.3% QoQ	+$6K	$29,428 +2.4% YoY	$17,588 +4.6% YoY	$19,687 +2.0% YoY	84%
CD Concentration	47.2% +177.0% YoY+151.6% QoQ	+18.2%	29.0%	21.7%	19.8%	Top 4.3% in tier
Indirect Auto %	0.3% +2437.5% YoY-12.7% QoQ	-18.0%	18.3%	5.1%	7.8%	Bottom 14.4% in tier

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#1 of 247 • Top 0.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 11.09%

(Tier: 3.43%, National: 4.32%)

better than tier avg

Return on Assets: 1.20%

(Tier: 0.69%, National: 0.67%)

better than tier avg

Indirect Auto %: 0.31%

(Tier: 18.31%, National: 7.78%)

better than tier avg

247 of 378 Mid-Market CUs have this signature | 913 nationally

→ No prior data (247 CUs now) | New qualifier

Organic Growth Leader

growth

#14 of 142 • Top 9.2% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 11.09%

(Tier: 3.43%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.31%

(Tier: 18.31%, National: 7.78%)

better than tier avg

142 of 378 Mid-Market CUs have this signature | 609 nationally

→ No prior data (142 CUs now) | New qualifier

Relationship Depth Leader

growth

#60 of 65 • Top 92.2% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 1.91%

(Tier: 3.31%, National: 4.00%)

but worse than tier avg

Share Draft per Member: $1.8K

(Tier: $3.2K, National: $2.0K)

but worse than tier avg

65 of 378 Mid-Market CUs have this signature | 351 nationally

↑ Growing +20 CUs YoY | Rank worsening

Concerns (4)

Liquidity Strain

risk

#1 of 166 • Bottom 0.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 118.55%

(Tier: 85.73%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 14.26%

(Tier: 6.38%, National: 111.96%)

but better than tier avg

166 of 378 Mid-Market CUs have this signature | 439 nationally

↓ Shrinking -7 CUs YoY

Credit Risk Growth

risk

#3 of 164 • Bottom 1.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 14.26%

(Tier: 6.38%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.72% points

(Tier: 0.06% points, National: 0.06% points)

worse than tier avg

164 of 378 Mid-Market CUs have this signature | 665 nationally

→ No prior data (164 CUs now) | New qualifier

Credit Quality Pressure

risk

#13 of 211 • Bottom 5.7% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.72% points

(Tier: 0.06% points, National: 0.06% points)

worse than tier avg

211 of 378 Mid-Market CUs have this signature | 969 nationally

↓ Shrinking -59 CUs YoY | Rank improving

Liquidity Overhang

risk

#10 of 17 • Bottom 56.2% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 24.04%

(Tier: 11.27%, National: 14.49%)

but better than tier avg

Loan-to-Share Ratio: 118.55%

(Tier: 85.73%, National: 67.44%)

but better than tier avg

17 of 378 Mid-Market CUs have this signature | 155 nationally

→ Stable (16→17 CUs) +1 CUs YoY

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)

Compare against:

Comparing against 302 peers in tier

Top Strengths (13 metrics)

Net Worth Ratio

risk

Value: 24.04%

Peer Median: -

#2 of 302 Top 0.3% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 118.55%

Peer Median: -

#2 of 302 Top 0.3% in 1B-3B tier

Member Growth Rate

growth

Value: 11.09%

Peer Median: -

#15 of 302 Top 4.6% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.09%

Peer Median: -

#18 of 302 Top 5.6% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $19,089

Peer Median: -

#21 of 302 Top 6.6% in 1B-3B tier

Loan Growth Rate

growth

Value: 14.26%

Peer Median: -

#30 of 302 Top 9.6% in 1B-3B tier

Efficiency Ratio

profitability

Value: 63.07%

Peer Median: -

#33 of 302 Top 10.6% in 1B-3B tier

Deposit Growth Rate

growth

Value: 12.00%

Peer Median: -

#35 of 302 Top 11.3% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.20%

Peer Median: -

#36 of 302 Top 11.6% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.90B

Peer Median: -

#37 of 302 Top 11.9% in 1B-3B tier

Top Weaknesses (4 metrics)

298

First Mortgage Concentration (%)

balance_sheet

Value: 72.28%

Peer Median: -

#298 of 302 Bottom 1.7% in 1B-3B tier

291

Share Certificate Concentration (%)

balance_sheet

Value: 47.23%

Peer Median: -

#291 of 302 Bottom 4.0% in 1B-3B tier

287

Fee Income Per Member

profitability

Value: $107.57

Peer Median: -

#287 of 302 Bottom 5.3% in 1B-3B tier

286

Total Delinquency Rate (60+ days)

risk

Value: 1.86%

Peer Median: -

#286 of 302 Bottom 5.6% in 1B-3B tier