BlastPoint's Credit Union Scorecard

SELF-HELP

Charter #66258 · NC

Mid-Market 1B-3B

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

View Mid-Market leaderboard →

SELF-HELP has 15 strengths but faces 8 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 1.8% in tier
+ Profitability Leader: Top 56.4% in tier
+ Relationship Depth Leader: Top 71.2% in tier
+ ROA 0.47% above tier average
+ Net Interest Margin 0.35% above tier average
+ Strong member growth: 12.8% YoY
+ Loan-to-Share Ratio: Top 0.0% in tier
+ Net Worth Ratio: Top 0.7% in tier
+ Deposit Growth Rate: Top 2.0% in tier
+ Member Growth Rate: Top 2.3% in tier
+ Asset Growth Rate: Top 3.3% in tier
+ Net Charge-Off Rate: Top 4.3% in tier
+ Loan-to-Member Ratio (LMR): Top 6.9% in tier
+ Loan Growth Rate: Top 8.2% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 0.2% in tier
- Liquidity Strain: Bottom 0.2% in tier
- Credit Quality Pressure: Bottom 1.0% in tier
- Liquidity Overhang: Bottom 68.8% in tier
- Delinquency rate 1.18% above tier average
- First Mortgage Concentration (%): Bottom 1.6% in tier
- Total Delinquency Rate (60+ days): Bottom 3.6% in tier
- Fee Income Per Member: Bottom 5.9% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Members	100,668 +12.8% YoY-4.4% QoQ	+2.0K	98,678 -1.9% YoY	91,841 +6.6% YoY	33,089 +6.1% YoY	59%
Assets	$2.1B +15.4% YoY+2.6% QoQ	+$426.1M	$1.7B +0.5% YoY	$1.5B +5.5% YoY	$547.7M +7.8% YoY	74%
Loans	$1.9B +14.4% YoY+0.5% QoQ	+$640.5M	$1.2B +0.5% YoY	$1.1B +9.9% YoY	$388.7M +8.6% YoY	Top 12.5% in tier
Deposits	$1.6B +19.1% YoY+3.1% QoQ	+$134.6M	$1.5B +1.3% YoY	$1.3B +12.1% YoY	$464.6M +9.3% YoY	63%

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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% +20.6% YoY+57.8% QoQ	+0.5%	0.7% +13.4% YoY	0.4% -19.0% YoY	0.7% +273.4% YoY	Top 12.5% in tier
NIM	3.6% +10.4% YoY-0.9% QoQ	+0.4%	3.3% +9.3% YoY	4.1% +4.0% YoY	3.7% +5.0% YoY	74%
Efficiency Ratio	63.7% -4.9% YoY-5.2% QoQ	-10.3%	74.0% -10.9% YoY	81.5% -1.2% YoY	79.1% -3.3% YoY	Bottom 14.5% in tier
Delinquency Rate	2.0% +89.1% YoY+6.1% QoQ	+1.2	0.8% +6.1% YoY	1.5% +2.4% YoY	1.2% -0.9% YoY	Top 3.6% in tier
Loan To Share	117.9% -3.9% YoY-2.5% QoQ	+32.7%	85.2% -0.8% YoY	76.3% +1.1% YoY	68.0% -1.7% YoY	Top 0.3% in tier
AMR	$34,395 +3.3% YoY+6.4% QoQ	+$5K	$29,172 +2.8% YoY	$17,441 +4.0% YoY	$19,418 +1.3% YoY	83%
CD Concentration	18.8% +7.9% YoY-1.8% QoQ	-10.2%	29.0% +0.7% YoY	20.6% +2.2% YoY	19.6% +6.2% YoY	Bottom 11.1% in tier
Indirect Auto %	0.4% +2475.4% YoY-11.1% QoQ	-18.4%	18.8% -3.0% YoY	5.3% -2.9% YoY	7.9% -2.9% YoY	Bottom 14.5% in tier

Signature Analysis

Strengths (4)

Organic Growth Engine

growth

#1 of 246 • Top 0.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 12.76%

(Tier: 3.18%, National: 9.37%)

better than tier avg

Return on Assets: 1.18%

(Tier: 0.71%, National: 0.71%)

better than tier avg

Indirect Auto %: 0.36%

(Tier: 18.77%, National: 7.90%)

better than tier avg

246 of 380 Mid-Market CUs have this signature | 917 nationally

↑ Growing +14 CUs YoY | New qualifier

Organic Growth Leader

growth

#8 of 138 • Top 1.8% in tier

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

Why This Signature

Member Growth (YoY): 12.76%

(Tier: 3.18%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.36%

(Tier: 18.77%, National: 7.90%)

better than tier avg

138 of 380 Mid-Market CUs have this signature | 608 nationally

↑ Growing +11 CUs YoY | New qualifier

Profitability Leader

growth

#54 of 95 • Top 56.4% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.18%

(Tier: 0.71%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.20% points

(Tier: 0.07% points, National: 0.05% points)

better than tier avg

95 of 380 Mid-Market CUs have this signature | 457 nationally

→ Stable (93→95 CUs) +2 CUs YoY | Rank improving

Relationship Depth Leader

growth

#48 of 67 • Top 71.2% 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): 3.33%

(Tier: 3.04%, National: 4.19%)

better than tier avg

Share Draft per Member: $1.7K

(Tier: $3.1K, National: $2.0K)

but worse than tier avg

67 of 380 Mid-Market CUs have this signature | 341 nationally

↑ Growing +25 CUs YoY | Rank worsening

Concerns (4)

Credit Risk Growth

risk

#2 of 161 • Bottom 0.2% in tier

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

Why This Signature

Loan Growth (YoY): 14.44%

(Tier: 6.14%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.94% points

(Tier: 0.07% points, National: 0.07% points)

worse than tier avg

161 of 380 Mid-Market CUs have this signature | 646 nationally

↓ Shrinking -30 CUs YoY | Rank improving

Liquidity Strain

risk

#2 of 183 • Bottom 0.2% in tier

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

Why This Signature

Loan-to-Share Ratio: 117.91%

(Tier: 86.32%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 14.44%

(Tier: 6.14%, National: 36.38%)

but better than tier avg

183 of 380 Mid-Market CUs have this signature | 484 nationally

↑ Growing +10 CUs YoY

Credit Quality Pressure

risk

#9 of 217 • Bottom 1.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.94% points

(Tier: 0.07% points, National: 0.07% points)

worse than tier avg

217 of 380 Mid-Market CUs have this signature | 1002 nationally

↓ Shrinking -70 CUs YoY | Rank improving

Liquidity Overhang

risk

#12 of 17 • Bottom 68.8% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 24.23%

(Tier: 11.30%, National: 14.51%)

but better than tier avg

Loan-to-Share Ratio: 117.91%

(Tier: 86.32%, National: 67.96%)

but better than tier avg

17 of 380 Mid-Market CUs have this signature | 155 nationally

→ Stable (17→17 CUs)

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 304 peers in tier

Top Strengths (14 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 117.91%

Peer Avg: -

#1 of 304 Top 0.0% in 1B-3B tier

Net Worth Ratio

risk

Value: 24.23%

Peer Avg: -

#3 of 304 Top 0.7% in 1B-3B tier

Deposit Growth Rate

growth

Value: 19.06%

Peer Avg: -

#7 of 304 Top 2.0% in 1B-3B tier

Member Growth Rate

growth

Value: 12.76%

Peer Avg: -

#8 of 304 Top 2.3% in 1B-3B tier

Asset Growth Rate

growth

Value: 15.39%

Peer Avg: -

#11 of 304 Top 3.3% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.07%

Peer Avg: -

#14 of 304 Top 4.3% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $18,611

Peer Avg: -

#22 of 304 Top 6.9% in 1B-3B tier

Loan Growth Rate

growth

Value: 14.44%

Peer Avg: -

#26 of 304 Top 8.2% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 18.77%

Peer Avg: -

#36 of 304 Top 11.5% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.18%

Peer Avg: -

#38 of 304 Top 12.2% in 1B-3B tier

Top Weaknesses (3 metrics)

300

First Mortgage Concentration (%)

balance_sheet

Value: 72.17%

Peer Avg: -

#300 of 304 Bottom 1.6% in 1B-3B tier

294

Total Delinquency Rate (60+ days)

risk

Value: 2.00%

Peer Avg: -

#294 of 304 Bottom 3.6% in 1B-3B tier

287

Fee Income Per Member

profitability

Value: $109.27

Peer Avg: -

#287 of 304 Bottom 5.9% in 1B-3B tier