BlastPoint's Credit Union Scorecard
TEXAS GULF CAROLINA EMP
Charter #66320 · NC
2556 CUs in <100M nationally
31 in NC
TEXAS GULF CAROLINA EMP has 5 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 7.12% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 0.4% in tier
- + Net Worth Ratio: Top 3.7% in tier
Key Concerns
Areas that may need attention
- - ROA 14.34% below tier average
- - Efficiency ratio 60.09% above tier (higher cost structure)
- - Delinquency rate 1.62% above tier average
- - Deposit Growth Rate: Bottom 0.7% in tier
- - Net Charge-Off Rate: Bottom 0.8% in tier
- - AMR Growth Rate: Bottom 1.1% in tier
- - Asset Growth Rate: Bottom 1.5% in tier
- - Fee Income Per Member: Bottom 4.8% in tier
- - Total Deposits: Bottom 5.2% in tier
- - Average Member Relationship (AMR): Bottom 6.1% in tier
- - Loan Growth Rate: Bottom 6.6% in tier
- - Total Assets: Bottom 6.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
391
+2.9% YoY-2.2% QoQ
|
-2.2K |
2,615
-1.9% YoY
|
91,719
+6.9% YoY
|
33,374
+5.7% YoY
|
Bottom 10.6% in tier |
| Assets |
$1.2M
-17.4% YoY-14.0% QoQ
|
$-28.9M |
$30.1M
+2.1% YoY
|
$1.6B
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Bottom 6.7% in tier |
| Loans |
$900,275
-18.9% YoY-5.1% QoQ
|
$-14.9M |
$15.8M
-1.3% YoY
|
$1.1B
+9.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 10.5% in tier |
| Deposits |
$693,107
-31.6% YoY-24.0% QoQ
|
$-25.0M |
$25.7M
+1.4% YoY
|
$1.4B
+12.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 5.1% in tier |
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| ROA |
-13.7%
+969.6% YoY+205.2% QoQ
|
-14.3% |
0.6%
+10.8% YoY
|
0.2%
-40.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 0.3% in tier |
| NIM |
11.1%
+2.1% YoY+40.0% QoQ
|
+7.1% |
4.0%
+4.0% YoY
|
4.1%
+4.6% YoY
|
3.8%
+5.1% YoY
|
Top 0.1% in tier |
| Efficiency Ratio |
142.7%
+27.6% YoY-9.0% QoQ
|
+60.1% |
82.6%
-2.3% YoY
|
80.6%
-3.1% YoY
|
79.7%
-3.3% YoY
|
Top 2.1% in tier |
| Delinquency Rate |
3.2%
-54.2% YoY-38.3% QoQ
|
+1.6 |
1.6%
-3.1% YoY
|
2.1%
-15.0% YoY
|
1.3%
-2.1% YoY
|
Top 12.1% in tier |
| Loan To Share |
129.9%
+18.6% YoY+24.9% QoQ
|
+69.3% |
60.6%
-3.1% YoY
|
75.9%
+1.0% YoY
|
67.4%
-1.7% YoY
|
Top 0.5% in tier |
| AMR |
$4,075
-27.0% YoY-12.4% QoQ
|
$-11K |
$14,783
-1.4% YoY
|
$17,588
+4.6% YoY
|
$19,687
+2.0% YoY
|
Bottom 6.1% in tier |
| CD Concentration |
2.2%
-90.1% YoY+32.0% QoQ
|
-22.3% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.1% | 7.8% | 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 (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
2
Net Interest Margin (NIM)
profitability
Value:
11.07%
Peer Median: -
#2 of 2556
Top 0.0% in <100M tier
12
Loan-to-Share Ratio
balance_sheet
Value:
129.89%
Peer Median: -
#12 of 2556
Top 0.4% in <100M tier
95
Net Worth Ratio
risk
Value:
35.62%
Peer Median: -
#95 of 2556
Top 3.7% in <100M tier
288
Member Growth Rate
growth
Value:
2.89%
Peer Median: -
#288 of 2556
Top 11.2% in <100M tier
Top Weaknesses (16 metrics)
2549
Return on Assets (ROA)
profitability
Value:
-13.72%
Peer Median: -
#2549 of 2556
Bottom 0.3% in <100M tier
2539
Deposit Growth Rate
growth
Value:
-31.58%
Peer Median: -
#2539 of 2556
Bottom 0.7% in <100M tier
2537
Net Charge-Off Rate
risk
Value:
10.77%
Peer Median: -
#2537 of 2556
Bottom 0.8% in <100M tier
2529
AMR Growth Rate
growth
Value:
-27.04%
Peer Median: -
#2529 of 2556
Bottom 1.1% in <100M tier
2519
Asset Growth Rate
growth
Value:
-17.45%
Peer Median: -
#2519 of 2556
Bottom 1.5% in <100M tier
2503
Efficiency Ratio
profitability
Value:
142.65%
Peer Median: -
#2503 of 2556
Bottom 2.1% in <100M tier
2435
Fee Income Per Member
profitability
Value:
$0.22
Peer Median: -
#2435 of 2556
Bottom 4.8% in <100M tier
2425
Total Deposits
balance_sheet
Value:
$693,107
Peer Median: -
#2425 of 2556
Bottom 5.2% in <100M tier
2401
Average Member Relationship (AMR)
engagement
Value:
$4,075
Peer Median: -
#2401 of 2556
Bottom 6.1% in <100M tier
2389
Loan Growth Rate
growth
Value:
-18.85%
Peer Median: -
#2389 of 2556
Bottom 6.6% in <100M tier