BlastPoint's Credit Union Scorecard
TEXAS GULF CAROLINA EMP
Charter #66320 · NC
<100M
2508 CUs in <100M nationally
31 in NC
TEXAS GULF CAROLINA EMP has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 5.04% above tier average
- + Loan-to-Share Ratio: Top 0.5% in tier
- + Net Worth Ratio: Top 3.3% in tier
Key Concerns
Areas that may need attention
- - ROA 6.05% below tier average
- - Efficiency ratio 74.63% above tier (higher cost structure)
- - Delinquency rate 7.83% above tier average
- - Deposit Growth Rate: Bottom 0.7% in tier
- - AMR Growth Rate: Bottom 1.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 2.7% in tier
- - Fee Income Per Member: Bottom 4.8% in tier
- - Total Deposits: Bottom 5.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
385
-1.5% YoY-1.5% QoQ
|
-2.3K |
2,676
+1.6% YoY
|
91,843
+3.2% YoY
|
33,913
+5.7% YoY
|
Bottom 10.5% in tier |
| Assets |
$1.2M
-7.3% YoY-5.2% QoQ
|
$-29.0M |
$30.2M
+1.3% YoY
|
$1.6B
+7.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 6.3% in tier |
| Loans |
$831,600
-16.3% YoY-7.6% QoQ
|
$-14.4M |
$15.3M
-2.0% YoY
|
$1.1B
+5.7% YoY
|
$402.4M
+8.7% YoY
|
Bottom 10.1% in tier |
| Deposits |
$704,701
-29.0% YoY+1.7% QoQ
|
$-25.1M |
$25.8M
+0.7% YoY
|
$1.4B
+7.2% YoY
|
$494.3M
+9.1% YoY
|
Bottom 5.1% in tier |
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| ROA |
-5.9%
+210.7% YoY-56.9% QoQ
|
-6.1% |
0.1%
-77.6% YoY
|
0.4%
+21.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 1.5% in tier |
| NIM |
9.1%
-10.1% YoY-18.2% QoQ
|
+5.0% |
4.0%
+4.0% YoY
|
4.0%
+0.2% YoY
|
3.8%
+4.1% YoY
|
Top 0.5% in tier |
| Efficiency Ratio |
165.3%
+39.0% YoY+15.9% QoQ
|
+74.6% |
90.6%
+6.5% YoY
|
84.1%
+2.7% YoY
|
84.6%
+2.8% YoY
|
Bottom 2.4% in tier |
| Delinquency Rate |
9.3%
+15.7% YoY+194.2% QoQ
|
+7.8 |
1.5%
+3.8% YoY
|
1.3%
-24.7% YoY
|
1.2%
+3.4% YoY
|
Bottom 2.7% in tier |
| Loan To Share |
118.0%
+17.8% YoY-9.1% QoQ
|
+59.5% |
58.5%
-3.0% YoY
|
74.3%
+0.8% YoY
|
65.6%
-1.4% YoY
|
Top 0.6% in tier |
| AMR |
$3,990
-21.4% YoY-2.1% QoQ
|
$-11K |
$14,884
-1.7% YoY
|
$17,856
+2.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 6.3% in tier |
| CD Concentration |
2.1%
-89.4% YoY-1.6% QoQ
|
-22.1% | 24.3% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
12
Net Interest Margin (NIM)
profitability
Value:
9.05%
Peer Median: 3.83%
#12 of 2508
Top 0.4% in <100M tier
14
Loan-to-Share Ratio
balance_sheet
Value:
118.01%
Peer Median: 58.72%
#14 of 2508
Top 0.5% in <100M tier
84
Net Worth Ratio
risk
Value:
36.22%
Peer Median: 14.28%
#84 of 2508
Top 3.3% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (15 metrics)
2491
Deposit Growth Rate
growth
Value:
-28.96%
Peer Median: 0.66%
#2491 of 2508
Bottom 0.7% in <100M tier
2471
Return on Assets (ROA)
profitability
Value:
-5.91%
Peer Median: 0.61%
#2471 of 2508
Bottom 1.5% in <100M tier
2469
AMR Growth Rate
growth
Value:
-21.43%
Peer Median: 1.27%
#2469 of 2508
Bottom 1.6% in <100M tier
2450
Efficiency Ratio
profitability
Value:
165.26%
Peer Median: 81.45%
#2450 of 2508
Bottom 2.4% in <100M tier
2442
Total Delinquency Rate (60+ days)
risk
Value:
9.33%
Peer Median: 0.65%
#2442 of 2508
Bottom 2.7% in <100M tier
2388
Fee Income Per Member
profitability
Value:
$0.01
Peer Median: $60.42
#2388 of 2508
Bottom 4.8% in <100M tier
2381
Total Deposits
balance_sheet
Value:
$704,701
Peer Median: $18.77M
#2381 of 2508
Bottom 5.1% in <100M tier
2351
Total Assets
balance_sheet
Value:
$1.18M
Peer Median: $21.86M
#2351 of 2508
Bottom 6.3% in <100M tier
2350
Average Member Relationship (AMR)
engagement
Value:
$3,990
Peer Median: $13,926
#2350 of 2508
Bottom 6.3% in <100M tier
2296
Asset Growth Rate
growth
Value:
-7.28%
Peer Median: 1.30%
#2296 of 2508
Bottom 8.5% in <100M tier