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 14.8% in tier
- + Organic Growth Leader: Top 17.1% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 4.8% in tier
- + Total Assets: Top 4.8% in tier
- + Total Loans: Top 4.8% in tier
- + Total Deposits: Top 4.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.06% below tier average
- - Efficiency ratio 3.45% above tier (higher cost structure)
- - Delinquency rate 1.22% 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-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,964,865
+4.1% YoY+1.0% QoQ
|
+1.1M |
1,822,416
+4.1% YoY
|
91,841
+6.6% YoY
|
33,089
+6.1% YoY
|
Top 9.5% in tier |
| Assets |
$56.8B
-0.8% YoY+1.0% QoQ
|
+$28.1B |
$28.7B
+4.2% YoY
|
$1.5B
+5.5% YoY
|
$547.7M
+7.8% YoY
|
Top 9.5% in tier |
| Loans |
$37.2B
+6.7% YoY+1.7% QoQ
|
+$16.2B |
$21.1B
+5.8% YoY
|
$1.1B
+9.9% YoY
|
$388.7M
+8.6% YoY
|
Top 9.5% in tier |
| Deposits |
$50.7B
+9.1% YoY+0.8% QoQ
|
+$26.3B |
$24.4B
+7.2% YoY
|
$1.3B
+12.1% YoY
|
$464.6M
+9.3% YoY
|
Top 9.5% in tier |
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| ROA |
0.7%
+98.4% YoY+7.9% QoQ
|
-0.1% |
0.8%
+17.7% YoY
|
0.4%
-19.0% YoY
|
0.7%
+273.4% YoY
|
48% |
| NIM |
2.7%
+17.3% YoY+2.1% QoQ
|
-0.4% |
3.1%
+10.6% YoY
|
4.1%
+4.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 14.3% in tier |
| Efficiency Ratio |
67.7%
-6.5% YoY-3.0% QoQ
|
+3.5% |
64.3%
-4.3% YoY
|
81.5%
-1.2% YoY
|
79.1%
-3.3% YoY
|
67% |
| Delinquency Rate |
2.4%
-4.4% YoY+8.3% QoQ
|
+1.2 |
1.2%
+9.7% YoY
|
1.5%
+2.4% YoY
|
1.2%
-0.9% YoY
|
Top 4.8% in tier |
| Loan To Share |
73.5%
-2.2% YoY+0.9% QoQ
|
-16.3% |
89.8%
-0.3% YoY
|
76.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
Bottom 9.5% in tier |
| AMR |
$29,656
+3.8% YoY+0.3% QoQ
|
$-2K |
$31,184
+7.8% YoY
|
$17,441
+4.0% YoY
|
$19,418
+1.3% YoY
|
52% |
| CD Concentration |
31.2%
+4.4% YoY+4.9% QoQ
|
-0.7% |
31.9%
+2.0% YoY
|
20.6%
+2.2% YoY
|
19.6%
+6.2% YoY
|
33% |
| Indirect Auto % | 0.0% | -14.2% |
14.2%
-8.9% YoY
|
5.3%
-2.9% YoY
|
7.9%
-2.9% YoY
|
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)