BlastPoint's Credit Union Scorecard
STATE EMPLOYEES'
Charter #66310 · NC
STATE EMPLOYEES' has 6 strengths but faces 5 concerns
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How does NC stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 58.3% in tier
- + Organic Growth Leader: Top 58.3% in tier
- + Total Assets: Top 4.2% in tier
- + Total Deposits: Top 4.2% in tier
- + Total Loans: Top 4.2% in tier
- + Total Members: Top 4.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.26% below tier average
- - Efficiency ratio 1.43% above tier (higher cost structure)
- - Delinquency rate 0.53% above tier average
- - Fee Income Per Member: Bottom 8.3% in tier
- - First Mortgage Concentration (%): Bottom 8.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,978,851
+3.6% YoY+0.6% QoQ
|
+1.3M |
1,712,610
-8.0% YoY
|
91,843
+3.2% YoY
|
33,913
+5.7% YoY
|
Top 8.3% in tier |
| Assets |
$59.8B
+7.9% YoY+2.8% QoQ
|
+$31.6B |
$28.2B
-3.2% YoY
|
$1.6B
+7.7% YoY
|
$578.3M
+9.0% YoY
|
Top 8.3% in tier |
| Loans |
$37.9B
+5.8% YoY+0.8% QoQ
|
+$17.8B |
$20.2B
-4.4% YoY
|
$1.1B
+5.7% YoY
|
$402.4M
+8.7% YoY
|
Top 8.3% in tier |
| Deposits |
$53.4B
+7.6% YoY+3.0% QoQ
|
+$29.3B |
$24.1B
-2.9% YoY
|
$1.4B
+7.2% YoY
|
$494.3M
+9.1% YoY
|
Top 8.3% in tier |
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| ROA |
0.6%
+92.5% YoY-9.0% QoQ
|
-0.3% |
0.9%
+31.5% YoY
|
0.4%
+21.7% YoY
|
0.4%
-39.2% YoY
|
42% |
| NIM |
2.8%
+8.8% YoY+5.3% QoQ
|
-0.4% |
3.2%
+4.6% YoY
|
4.0%
+0.2% YoY
|
3.8%
+4.1% YoY
|
25% |
| Efficiency Ratio |
65.3%
-14.2% YoY-2.1% QoQ
|
+1.4% |
63.9%
-3.7% YoY
|
84.1%
+2.7% YoY
|
84.6%
+2.8% YoY
|
58% |
| Delinquency Rate |
1.4%
-7.1% YoY-45.3% QoQ
|
+0.5 |
0.9%
-6.9% YoY
|
1.3%
-24.7% YoY
|
1.2%
+3.4% YoY
|
Bottom 12.5% in tier |
| Loan To Share |
71.1%
-1.6% YoY-2.1% QoQ
|
-14.9% |
86.0%
-3.3% YoY
|
74.3%
+0.8% YoY
|
65.6%
-1.4% YoY
|
Bottom 12.5% in tier |
| AMR |
$30,661
+3.2% YoY+1.5% QoQ
|
$-1K |
$32,099
+9.5% YoY
|
$17,856
+2.9% YoY
|
$19,920
+1.6% YoY
|
50% |
| CD Concentration |
31.5%
+3.4% YoY+0.9% QoQ
|
+1.3% | 30.2% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -14.9% | 14.9% | 4.9% | 7.7% | Top 0.1% 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 (<15%). 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)