BlastPoint's Credit Union Scorecard
TEXAS GULF CAROLINA EMP
Charter #66320 · NC
2596 CUs in <100M nationally
32 in NC
TEXAS GULF CAROLINA EMP has 5 strengths but faces 13 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 3.97% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 2.5% in tier
- + Net Worth Ratio: Top 4.3% in tier
Key Concerns
Areas that may need attention
- - ROA 5.18% below tier average
- - Efficiency ratio 75.40% above tier (higher cost structure)
- - Delinquency rate 3.63% above tier average
- - Net Charge-Off Rate: Bottom 1.2% in tier
- - Deposit Growth Rate: Bottom 3.2% in tier
- - Asset Growth Rate: Bottom 4.7% in tier
- - AMR Growth Rate: Bottom 4.7% in tier
- - Fee Income Per Member: Bottom 5.4% in tier
- - Total Delinquency Rate (60+ days): Bottom 5.8% in tier
- - Total Deposits: Bottom 6.8% in tier
- - Total Assets: Bottom 7.7% in tier
- - Average Member Relationship (AMR): Bottom 8.3% in tier
- - Members Per Employee (MPE): Bottom 8.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
400
0% YoY0% QoQ
|
-2.2K |
2,625
-2.2% YoY
|
91,841
+6.6% YoY
|
33,089
+6.1% YoY
|
Bottom 11.1% in tier |
| Assets |
$1.4M
-10.7% YoY-4.0% QoQ
|
$-28.4M |
$29.9M
+1.1% YoY
|
$1.5B
+5.5% YoY
|
$547.7M
+7.8% YoY
|
Bottom 7.7% in tier |
| Loans |
$948,673
-12.3% YoY+3.2% QoQ
|
$-14.8M |
$15.8M
-2.4% YoY
|
$1.1B
+9.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 11.2% in tier |
| Deposits |
$912,418
-14.7% YoY-5.5% QoQ
|
$-24.5M |
$25.5M
+0.4% YoY
|
$1.3B
+12.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 6.8% in tier |
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| ROA |
-4.5%
+662.5% YoY-26.7% QoQ
|
-5.2% |
0.7%
-731.4% YoY
|
0.4%
-19.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 1.2% in tier |
| NIM |
7.9%
-19.8% YoY-26.6% QoQ
|
+4.0% |
3.9%
+3.8% YoY
|
4.1%
+4.0% YoY
|
3.7%
+5.0% YoY
|
Top 0.5% in tier |
| Efficiency Ratio |
156.8%
+47.9% YoY-0.1% QoQ
|
+75.4% |
81.4%
-2.4% YoY
|
81.5%
-1.2% YoY
|
79.1%
-3.3% YoY
|
Top 2.3% in tier |
| Delinquency Rate |
5.1%
-49.9% YoY+510.8% QoQ
|
+3.6 |
1.5%
-2.0% YoY
|
1.5%
+2.4% YoY
|
1.2%
-0.9% YoY
|
Top 5.8% in tier |
| Loan To Share |
104.0%
+2.8% YoY+9.3% QoQ
|
+42.7% |
61.2%
-3.0% YoY
|
76.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
Top 2.7% in tier |
| AMR |
$4,653
-13.5% YoY-1.3% QoQ
|
$-10K |
$14,627
-2.7% YoY
|
$17,441
+4.0% YoY
|
$19,418
+1.3% YoY
|
Bottom 8.3% in tier |
| CD Concentration |
1.6%
-91.4% YoY+6.0% QoQ
|
-22.8% |
24.4%
+4.2% YoY
|
20.6%
+2.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.3%
-2.9% YoY
|
7.9%
-2.9% YoY
|
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)
Top Strengths (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
14
Net Interest Margin (NIM)
profitability
Value:
7.91%
Peer Avg: -
#14 of 2596
Top 0.5% in <100M tier
67
Loan-to-Share Ratio
balance_sheet
Value:
103.97%
Peer Avg: -
#67 of 2596
Top 2.5% in <100M tier
112
Net Worth Ratio
risk
Value:
33.20%
Peer Avg: -
#112 of 2596
Top 4.3% in <100M tier
Top Weaknesses (16 metrics)
2565
Net Charge-Off Rate
risk
Value:
5.83%
Peer Avg: -
#2565 of 2596
Bottom 1.2% in <100M tier
2564
Return on Assets (ROA)
profitability
Value:
-4.50%
Peer Avg: -
#2564 of 2596
Bottom 1.3% in <100M tier
2537
Efficiency Ratio
profitability
Value:
156.79%
Peer Avg: -
#2537 of 2596
Bottom 2.3% in <100M tier
2513
Deposit Growth Rate
growth
Value:
-14.65%
Peer Avg: -
#2513 of 2596
Bottom 3.2% in <100M tier
2475
Asset Growth Rate
growth
Value:
-10.75%
Peer Avg: -
#2475 of 2596
Bottom 4.7% in <100M tier
2475
AMR Growth Rate
growth
Value:
-13.45%
Peer Avg: -
#2475 of 2596
Bottom 4.7% in <100M tier
2456
Fee Income Per Member
profitability
Value:
$0.26
Peer Avg: -
#2456 of 2596
Bottom 5.4% in <100M tier
2447
Total Delinquency Rate (60+ days)
risk
Value:
5.14%
Peer Avg: -
#2447 of 2596
Bottom 5.8% in <100M tier
2420
Total Deposits
balance_sheet
Value:
$912,418
Peer Avg: -
#2420 of 2596
Bottom 6.8% in <100M tier
2397
Total Assets
balance_sheet
Value:
$1.45M
Peer Avg: -
#2397 of 2596
Bottom 7.7% in <100M tier