BlastPoint's Credit Union Scorecard
EMERGENCY RESPONDERS
Charter #66354 · NC
EMERGENCY RESPONDERS has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.66% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 9.1% in tier
- + Loan-to-Share Ratio: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - ROA 1.07% below tier average
- - Efficiency ratio 8.02% above tier (higher cost structure)
- - Delinquency rate 0.30% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,380
+3.4% YoY+0.2% QoQ
|
+764 |
2,615
-1.9% YoY
|
91,719
+6.9% YoY
|
33,374
+5.7% YoY
|
72% |
| Assets |
$29.0M
-2.3% YoY+4.3% QoQ
|
$-1.1M |
$30.1M
+2.1% YoY
|
$1.6B
+12.6% YoY
|
$561.6M
+9.7% YoY
|
59% |
| Loans |
$23.5M
-1.9% YoY-0.2% QoQ
|
+$7.7M |
$15.8M
-1.3% YoY
|
$1.1B
+9.8% YoY
|
$397.0M
+8.8% YoY
|
75% |
| Deposits |
$26.0M
-0.9% YoY+4.6% QoQ
|
+$306K |
$25.7M
+1.4% YoY
|
$1.4B
+12.2% YoY
|
$477.3M
+9.7% YoY
|
60% |
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| ROA |
-0.4%
-9394.4% YoY-53.3% QoQ
|
-1.1% |
0.6%
+10.8% YoY
|
0.2%
-40.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 9.7% in tier |
| NIM |
4.6%
+20.9% YoY-0.1% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
4.1%
+4.6% YoY
|
3.8%
+5.1% YoY
|
76% |
| Efficiency Ratio |
90.6%
+9.1% YoY-5.6% QoQ
|
+8.0% |
82.6%
-2.3% YoY
|
80.6%
-3.1% YoY
|
79.7%
-3.3% YoY
|
76% |
| Delinquency Rate |
1.9%
+2.0% YoY-14.9% QoQ
|
+0.3 |
1.6%
-3.1% YoY
|
2.1%
-15.0% YoY
|
1.3%
-2.1% YoY
|
77% |
| Loan To Share |
90.3%
-1.0% YoY-4.6% QoQ
|
+29.7% |
60.6%
-3.1% YoY
|
75.9%
+1.0% YoY
|
67.4%
-1.7% YoY
|
Top 9.6% in tier |
| AMR |
$14,637
-4.6% YoY+2.0% QoQ
|
$-145 |
$14,783
-1.4% YoY
|
$17,588
+4.6% YoY
|
$19,687
+2.0% YoY
|
55% |
| CD Concentration |
28.8%
+14.7% YoY+34.0% QoQ
|
+4.4% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.1% | 7.8% | 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)