BlastPoint's Credit Union Scorecard
STATE EMPLOYEES'
Charter #66310 · NC
STATE EMPLOYEES' has 7 strengths but faces 5 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
- + Organic Growth Engine: Top 50.0% in tier
- + Organic Growth Leader: Top 63.6% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Assets: Top 4.8% in tier
- + Total Deposits: Top 4.8% in tier
- + Total Loans: Top 4.8% in tier
- + Total Members: Top 4.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.03% below tier average
- - Efficiency ratio 2.15% above tier (higher cost structure)
- - Delinquency rate 1.44% above tier average
- - Total Delinquency Rate (60+ days): Bottom 4.8% in tier
- - First Mortgage Concentration (%): Bottom 9.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,959,762
+4.0% YoY-0.2% QoQ
|
+1.1M |
1,831,295
-0.2% YoY
|
91,719
+6.9% YoY
|
33,374
+5.7% YoY
|
Top 9.5% in tier |
| Assets |
$58.1B
+9.7% YoY+2.3% QoQ
|
+$29.0B |
$29.1B
+3.6% YoY
|
$1.6B
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Top 9.5% in tier |
| Loans |
$37.6B
+6.3% YoY+1.1% QoQ
|
+$16.3B |
$21.4B
+2.0% YoY
|
$1.1B
+9.8% YoY
|
$397.0M
+8.8% YoY
|
Top 9.5% in tier |
| Deposits |
$51.8B
+9.3% YoY+2.2% QoQ
|
+$26.9B |
$24.9B
+4.3% YoY
|
$1.4B
+12.2% YoY
|
$477.3M
+9.7% YoY
|
Top 9.5% in tier |
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| ROA |
0.7%
+100.0% YoY-0.2% QoQ
|
-0.0% |
0.7%
+30.7% YoY
|
0.2%
-40.7% YoY
|
0.7%
+15.9% YoY
|
57% |
| NIM |
2.7%
+13.2% YoY+0.3% QoQ
|
-0.4% |
3.1%
+7.9% YoY
|
4.1%
+4.6% YoY
|
3.8%
+5.1% YoY
|
19% |
| Efficiency Ratio |
66.7%
-7.4% YoY-1.5% QoQ
|
+2.1% |
64.6%
-4.0% YoY
|
80.6%
-3.1% YoY
|
79.7%
-3.3% YoY
|
67% |
| Delinquency Rate |
2.6%
-18.8% YoY+9.4% QoQ
|
+1.4 |
1.2%
+0.3% YoY
|
2.1%
-15.0% YoY
|
1.3%
-2.1% YoY
|
Top 4.8% in tier |
| Loan To Share |
72.6%
-2.7% YoY-1.2% QoQ
|
-16.5% |
89.1%
-2.0% YoY
|
75.9%
+1.0% YoY
|
67.4%
-1.7% YoY
|
Bottom 9.5% in tier |
| AMR |
$30,222
+3.9% YoY+1.9% QoQ
|
$-1K |
$31,580
+8.5% YoY
|
$17,588
+4.6% YoY
|
$19,687
+2.0% YoY
|
52% |
| CD Concentration |
31.2%
+2.3% YoY+0.0% QoQ
|
-0.2% | 31.4% | 21.7% | 19.8% | 33% |
| Indirect Auto % | 0.0% | -14.1% | 14.1% | 5.1% | 7.8% | Bottom 0.0% in tier |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
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)