BlastPoint's Credit Union Scorecard

TELCO

Charter #66319 · NC

<100M

2508 CUs in <100M nationally 31 in NC

TELCO has 4 strengths but faces 2 concerns

National Analysis

How does the industry compare?

NC Analysis

How does NC stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.11% above tier average
+ Net Interest Margin 0.99% above tier average
+ Total Members: Top 6.3% in tier
+ Total Loans: Top 9.2% in tier

Key Concerns

Areas that may need attention

- Delinquency rate 1.37% above tier average
- Share Certificate Concentration (%): Bottom 7.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Members	6,645 +1.8% YoY+1.6% QoQ	+4.0K	2,676 +1.6% YoY	91,843 +3.2% YoY	33,913 +5.7% YoY	Top 6.4% in tier
Assets	$53.5M +2.7% YoY-0.3% QoQ	+$23.3M	$30.2M +1.3% YoY	$1.6B +7.7% YoY	$578.3M +9.0% YoY	79%
Loans	$40.5M -0.2% YoY-1.6% QoQ	+$25.2M	$15.3M -2.0% YoY	$1.1B +5.7% YoY	$402.4M +8.7% YoY	Top 9.2% in tier
Deposits	$46.7M +3.9% YoY-0.2% QoQ	+$20.9M	$25.8M +0.7% YoY	$1.4B +7.2% YoY	$494.3M +9.1% YoY	80%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.3% -165.6% YoY-297.4% QoQ	+0.1%	0.1% -77.6% YoY	0.4% +21.7% YoY	0.4% -39.2% YoY	33%
NIM	5.0% +4.3% YoY-0.1% QoQ	+1.0%	4.0% +4.0% YoY	4.0% +0.2% YoY	3.8% +4.1% YoY	Top 11.8% in tier
Efficiency Ratio	83.1% -0.7% YoY+5.9% QoQ	-7.5%	90.6% +6.5% YoY	84.1% +2.7% YoY	84.6% +2.8% YoY	54%
Delinquency Rate	2.9% +36.6% YoY+6.4% QoQ	+1.4	1.5% +3.8% YoY	1.3% -24.7% YoY	1.2% +3.4% YoY	Bottom 12.2% in tier
Loan To Share	86.6% -3.9% YoY-1.4% QoQ	+28.1%	58.5% -3.0% YoY	74.3% +0.8% YoY	65.6% -1.4% YoY	Top 10.8% in tier
AMR	$13,121 +0.2% YoY-2.4% QoQ	$-2K	$14,884 -1.7% YoY	$17,856 +2.9% YoY	$19,920 +1.6% YoY	46%
CD Concentration	40.1% +15.5% YoY-2.7% QoQ	+15.8%	24.3%	21.2%	19.8%	50%
Indirect Auto %	2.8% -18.2% YoY-9.5% QoQ	-11.0%	13.8%	4.9%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (7 metrics)

160

Total Members

engagement

Value: 6,645

Peer Median: 1,918

#160 of 2508 Top 6.3% in <100M tier

231

Total Loans

balance_sheet

Value: $40.46M

Peer Median: $9.48M

#231 of 2508 Top 9.2% in <100M tier

268

Loan-to-Share Ratio

balance_sheet

Value: 86.58%

Peer Median: 58.72%

#268 of 2508 Top 10.6% in <100M tier

295

Net Interest Margin (NIM)

profitability

Value: 5.00%

Peer Median: 3.83%

#295 of 2508 Top 11.7% in <100M tier

457

Member Growth Rate

growth

Value: 1.78%

Peer Median: -1.37%

#457 of 2508 Top 18.2% in <100M tier

506

Total Deposits

balance_sheet

Value: $46.73M

Peer Median: $18.77M

#506 of 2508 Top 20.1% in <100M tier

527

Total Assets

balance_sheet

Value: $53.47M

Peer Median: $21.86M

#527 of 2508 Top 21.0% in <100M tier

Top Weaknesses (4 metrics)

2317

Share Certificate Concentration (%)

balance_sheet

Value: 40.08%

Peer Median: 12.45%

#2317 of 2508 Bottom 7.7% in <100M tier

2206

Indirect Auto Concentration (%)

balance_sheet

Value: 2.77%

Peer Median: 0.00%

#2206 of 2508 Bottom 12.1% in <100M tier

2204

Total Delinquency Rate (60+ days)

risk

Value: 2.88%

Peer Median: 0.65%

#2204 of 2508 Bottom 12.2% in <100M tier

2134

Net Charge-Off Rate

risk

Value: 0.93%

Peer Median: 0.07%

#2134 of 2508 Bottom 15.0% in <100M tier