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 1.09% above tier average
- + Total Members: Top 6.2% in tier
- + Loan-to-Share Ratio: Top 8.2% in tier
- + Total Loans: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.73% below tier average
- - Delinquency rate 4.46% above tier average
- - Total Delinquency Rate (60+ days): Bottom 5.0% in tier
- - Net Charge-Off Rate: Bottom 6.0% in tier
- - Share Certificate Concentration (%): Bottom 10.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 31 that size in North Carolina.
- Shares and deposits +3.2% year over year ($44.7M in shares and deposits).
- Membership: 6,648 members, +2.2% vs a year ago.
- Delinquency rate 6.00%.
- Return on assets 0.76%.
- Efficiency ratio 87.73% vs a 88.77% peer average.
- Loan-to-share ratio 90.94% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,648
+2.2% YoY+0.0% QoQ
|
+4.1K |
2,585
-1.7% YoY
|
91,933
+2.2% YoY
|
34,678
+6.6% YoY
|
Top 6.3% in tier |
| Assets |
$51.3M
-0.3% YoY-4.0% QoQ
|
+$21.0M |
$30.3M
+1.5% YoY
|
$1.6B
+7.2% YoY
|
$593.1M
+10.2% YoY
|
78% |
| Loans |
$40.7M
-2.8% YoY+0.5% QoQ
|
+$25.2M |
$15.5M
-1.7% YoY
|
$1.1B
+5.6% YoY
|
$418.6M
+10.1% YoY
|
Top 9.5% in tier |
| Deposits |
$44.7M
+3.2% YoY-4.3% QoQ
|
+$18.9M |
$25.8M
+1.1% YoY
|
$1.4B
+7.1% YoY
|
$504.8M
+10.3% YoY
|
78% |
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| ROA |
0.8%
-233.9% YoY+190.8% QoQ
|
-0.7% |
1.5%
+241.5% YoY
|
0.9%
+189.6% YoY
|
1.2%
+121.4% YoY
|
47% |
| NIM |
5.0%
+1.3% YoY-0.2% QoQ
|
+1.1% |
3.9%
+0.9% YoY
|
4.0%
+0.2% YoY
|
3.8%
+2.3% YoY
|
Top 12.0% in tier |
| Efficiency Ratio |
87.7%
+6.4% YoY+5.6% QoQ
|
-1.0% |
88.8%
-6.9% YoY
|
83.1%
+0.7% YoY
|
83.0%
-5.3% YoY
|
67% |
| Delinquency Rate |
6.0%
+83.0% YoY+108.8% QoQ
|
+4.5 |
1.5%
+2.1% YoY
|
1.5%
+12.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 5.0% in tier |
| Loan To Share |
90.9%
-5.8% YoY+5.0% QoQ
|
+32.1% |
58.9%
-3.1% YoY
|
74.9%
+0.0% YoY
|
66.4%
-1.4% YoY
|
Top 8.3% in tier |
| AMR |
$12,842
-1.9% YoY-2.1% QoQ
|
$-2K |
$14,963
-6.8% YoY
|
$17,976
+4.0% YoY
|
$20,028
-0.9% YoY
|
44% |
| CD Concentration |
37.0%
+13.3% YoY-7.6% QoQ
|
+12.5% | 24.6% | 21.4% | 20.0% | 50% |
| Indirect Auto % |
2.5%
-28.3% YoY-11.1% QoQ
|
-11.2% | 13.6% | 4.6% | 7.7% | 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)