BlastPoint's Credit Union Scorecard
TELCO
Charter #66319 · NC
TELCO has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.18% above tier average
- + Loan-to-Share Ratio: Top 7.3% in tier
- + Total Members: Top 7.3% in tier
- + Total Loans: Top 8.7% in tier
Key Concerns
Areas that may need attention
- - ROA 1.27% below tier average
- - Efficiency ratio 3.01% above tier (higher cost structure)
- - Delinquency rate 2.12% above tier average
- - Net Charge-Off Rate: Bottom 6.4% in tier
- - Total Delinquency Rate (60+ days): 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 |
6,524
+1.1% YoY+0.3% QoQ
|
+3.9K |
2,625
-2.2% YoY
|
91,841
+6.6% YoY
|
33,089
+6.1% YoY
|
Top 7.4% in tier |
| Assets |
$51.5M
-0.2% YoY+0.1% QoQ
|
+$21.6M |
$29.9M
+1.1% YoY
|
$1.5B
+5.5% YoY
|
$547.7M
+7.8% YoY
|
78% |
| Loans |
$42.2M
+9.9% YoY+1.0% QoQ
|
+$26.5M |
$15.8M
-2.4% YoY
|
$1.1B
+9.9% YoY
|
$388.7M
+8.6% YoY
|
Top 8.8% in tier |
| Deposits |
$44.7M
+0.5% YoY+3.1% QoQ
|
+$19.2M |
$25.5M
+0.4% YoY
|
$1.3B
+12.1% YoY
|
$464.6M
+9.3% YoY
|
79% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-0.6%
-3644.9% YoY+4.1% QoQ
|
-1.3% |
0.7%
-731.4% YoY
|
0.4%
-19.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 8.1% in tier |
| NIM |
5.1%
+10.6% YoY+3.9% QoQ
|
+1.2% |
3.9%
+3.8% YoY
|
4.1%
+4.0% YoY
|
3.7%
+5.0% YoY
|
Top 12.1% in tier |
| Efficiency Ratio |
84.4%
-4.6% YoY+2.4% QoQ
|
+3.0% |
81.4%
-2.4% YoY
|
81.5%
-1.2% YoY
|
79.1%
-3.3% YoY
|
65% |
| Delinquency Rate |
3.6%
+98.0% YoY+10.7% QoQ
|
+2.1 |
1.5%
-2.0% YoY
|
1.5%
+2.4% YoY
|
1.2%
-0.9% YoY
|
Top 9.5% in tier |
| Loan To Share |
94.5%
+9.4% YoY-2.1% QoQ
|
+33.3% |
61.2%
-3.0% YoY
|
76.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
Top 7.5% in tier |
| AMR |
$13,321
+3.7% YoY+1.8% QoQ
|
$-1K |
$14,627
-2.7% YoY
|
$17,441
+4.0% YoY
|
$19,418
+1.3% YoY
|
48% |
| CD Concentration |
30.6%
-12.6% YoY-6.3% QoQ
|
+6.2% |
24.4%
+4.2% YoY
|
20.6%
+2.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
3.3%
-16.9% YoY-2.9% QoQ
|
-10.6% |
14.0%
-5.7% YoY
|
5.3%
-2.9% YoY
|
7.9%
-2.9% YoY
|
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)