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 0.68% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 7.2% in tier
- + Members Per Employee (MPE): Top 9.7% in tier
Key Concerns
Areas that may need attention
- - ROA 1.64% below tier average
- - Efficiency ratio 14.51% above tier (higher cost structure)
- - Delinquency rate 0.67% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,372
+3.2% YoY+1.2% QoQ
|
+746 |
2,625
-2.2% YoY
|
91,841
+6.6% YoY
|
33,089
+6.1% YoY
|
72% |
| Assets |
$27.8M
-6.6% YoY-4.1% QoQ
|
$-2.0M |
$29.9M
+1.1% YoY
|
$1.5B
+5.5% YoY
|
$547.7M
+7.8% YoY
|
58% |
| Loans |
$23.5M
-3.8% YoY+1.5% QoQ
|
+$7.8M |
$15.8M
-2.4% YoY
|
$1.1B
+9.9% YoY
|
$388.7M
+8.6% YoY
|
75% |
| Deposits |
$24.9M
-3.3% YoY-4.1% QoQ
|
$-597K |
$25.5M
+0.4% YoY
|
$1.3B
+12.1% YoY
|
$464.6M
+9.3% YoY
|
59% |
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| ROA |
-1.0%
+102.5% YoY-49.9% QoQ
|
-1.6% |
0.7%
-731.4% YoY
|
0.4%
-19.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 5.7% in tier |
| NIM |
4.6%
+37.9% YoY+4.4% QoQ
|
+0.7% |
3.9%
+3.8% YoY
|
4.1%
+4.0% YoY
|
3.7%
+5.0% YoY
|
77% |
| Efficiency Ratio |
95.9%
+10.0% YoY-13.6% QoQ
|
+14.5% |
81.4%
-2.4% YoY
|
81.5%
-1.2% YoY
|
79.1%
-3.3% YoY
|
Top 15.0% in tier |
| Delinquency Rate |
2.2%
+126.1% YoY+54.9% QoQ
|
+0.7 |
1.5%
-2.0% YoY
|
1.5%
+2.4% YoY
|
1.2%
-0.9% YoY
|
82% |
| Loan To Share |
94.7%
-0.5% YoY+5.8% QoQ
|
+33.4% |
61.2%
-3.0% YoY
|
76.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
Top 7.4% in tier |
| AMR |
$14,351
-6.5% YoY-2.6% QoQ
|
$-276 |
$14,627
-2.7% YoY
|
$17,441
+4.0% YoY
|
$19,418
+1.3% YoY
|
54% |
| CD Concentration |
21.5%
-15.1% YoY-1.8% QoQ
|
-2.9% |
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)
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)