BlastPoint's Credit Union Scorecard
TELCO
Charter #66319 · NC
TELCO has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.05% above tier average
- + Total Members: Top 7.0% in tier
- + Total Loans: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.75% below tier average
- - Delinquency rate 1.15% above tier average
- - Share Certificate Concentration (%): Bottom 6.8% in tier
- - Net Charge-Off Rate: Bottom 7.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,538
+1.0% YoY+0.2% QoQ
|
+3.9K |
2,615
-1.9% YoY
|
91,719
+6.9% YoY
|
33,374
+5.7% YoY
|
Top 7.1% in tier |
| Assets |
$53.6M
+3.6% YoY+4.2% QoQ
|
+$23.5M |
$30.1M
+2.1% YoY
|
$1.6B
+12.6% YoY
|
$561.6M
+9.7% YoY
|
79% |
| Loans |
$41.1M
+3.1% YoY-2.7% QoQ
|
+$25.3M |
$15.8M
-1.3% YoY
|
$1.1B
+9.8% YoY
|
$397.0M
+8.8% YoY
|
Top 9.5% in tier |
| Deposits |
$46.8M
+4.9% YoY+4.8% QoQ
|
+$21.1M |
$25.7M
+1.4% YoY
|
$1.4B
+12.2% YoY
|
$477.3M
+9.7% YoY
|
80% |
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| ROA |
-0.1%
-77.6% QoQ
|
-0.8% |
0.6%
+10.8% YoY
|
0.2%
-40.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 13.4% in tier |
| NIM |
5.0%
+5.9% YoY-2.2% QoQ
|
+1.1% |
4.0%
+4.0% YoY
|
4.1%
+4.6% YoY
|
3.8%
+5.1% YoY
|
Top 14.5% in tier |
| Efficiency Ratio |
78.5%
-8.9% YoY-7.0% QoQ
|
-4.1% |
82.6%
-2.3% YoY
|
80.6%
-3.1% YoY
|
79.7%
-3.3% YoY
|
48% |
| Delinquency Rate |
2.7%
+38.0% YoY-25.6% QoQ
|
+1.1 |
1.6%
-3.1% YoY
|
2.1%
-15.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 14.8% in tier |
| Loan To Share |
87.8%
-1.7% YoY-7.1% QoQ
|
+27.2% |
60.6%
-3.1% YoY
|
75.9%
+1.0% YoY
|
67.4%
-1.7% YoY
|
Top 12.3% in tier |
| AMR |
$13,446
+3.0% YoY+0.9% QoQ
|
$-1K |
$14,783
-1.4% YoY
|
$17,588
+4.6% YoY
|
$19,687
+2.0% YoY
|
48% |
| CD Concentration |
41.2%
+21.6% YoY+34.5% QoQ
|
+16.8% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % |
3.1%
-15.2% YoY-8.3% QoQ
|
-10.7% | 13.8% | 5.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
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)