BlastPoint's Credit Union Scorecard

EMERGENCY RESPONDERS

Charter #66354 · NC

<100M

2508 CUs in <100M nationally 31 in NC

EMERGENCY RESPONDERS has 2 strengths but faces 3 concerns

National Analysis

How does the industry compare?

NC Analysis

How does NC stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.43% above tier average
+ Net Interest Margin 0.39% above tier average

Key Concerns

Areas that may need attention

- Efficiency ratio 6.44% above tier (higher cost structure)
- Net Charge-Off Rate: Bottom 3.6% in tier
- Net Worth Ratio: Bottom 4.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Members	3,380 +2.1% YoY0% QoQ	+703	2,676 +1.6% YoY	91,843 +3.2% YoY	33,913 +5.7% YoY	73%
Assets	$29.9M +1.3% YoY+3.1% QoQ	$-270K	$30.2M +1.3% YoY	$1.6B +7.7% YoY	$578.3M +9.0% YoY	59%
Loans	$23.6M +2.5% YoY+0.7% QoQ	+$8.4M	$15.3M -2.0% YoY	$1.1B +5.7% YoY	$402.4M +8.7% YoY	76%
Deposits	$27.5M +5.3% YoY+5.7% QoQ	+$1.7M	$25.8M +0.7% YoY	$1.4B +7.2% YoY	$494.3M +9.1% YoY	61%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.6% -424.3% YoY-229.2% QoQ	+0.4%	0.1% -77.6% YoY	0.4% +21.7% YoY	0.4% -39.2% YoY	48%
NIM	4.4% +9.0% YoY-4.6% QoQ	+0.4%	4.0% +4.0% YoY	4.0% +0.2% YoY	3.8% +4.1% YoY	73%
Efficiency Ratio	97.1% +13.7% YoY+7.2% QoQ	+6.4%	90.6% +6.5% YoY	84.1% +2.7% YoY	84.6% +2.8% YoY	81%
Delinquency Rate	0.8% -70.4% YoY-56.3% QoQ	-0.7	1.5% +3.8% YoY	1.3% -24.7% YoY	1.2% +3.4% YoY	58%
Loan To Share	86.0% -2.6% YoY-4.8% QoQ	+27.5%	58.5% -3.0% YoY	74.3% +0.8% YoY	65.6% -1.4% YoY	Top 11.3% in tier
AMR	$15,120 +1.8% YoY+3.3% QoQ	+$235	$14,884 -1.7% YoY	$17,856 +2.9% YoY	$19,920 +1.6% YoY	56%
CD Concentration	29.9% +21.2% YoY+3.8% QoQ	+5.7%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

282

Loan-to-Share Ratio

balance_sheet

Value: 86.03%

Peer Median: 58.72%

#282 of 2508 Top 11.2% in <100M tier

410

Member Growth Rate

growth

Value: 2.11%

Peer Median: -1.37%

#410 of 2508 Top 16.3% in <100M tier

566

Deposit Growth Rate

growth

Value: 5.28%

Peer Median: 0.66%

#566 of 2508 Top 22.5% in <100M tier

593

Total Loans

balance_sheet

Value: $23.63M

Peer Median: $9.48M

#593 of 2508 Top 23.6% in <100M tier

Top Weaknesses (4 metrics)

2418

Net Charge-Off Rate

risk

Value: 3.41%

Peer Median: 0.07%

#2418 of 2508 Bottom 3.6% in <100M tier

2388

Net Worth Ratio

risk

Value: 7.95%

Peer Median: 14.28%

#2388 of 2508 Bottom 4.8% in <100M tier

2068

Share Certificate Concentration (%)

balance_sheet

Value: 29.95%

Peer Median: 12.45%

#2068 of 2508 Bottom 17.6% in <100M tier

2036

Efficiency Ratio

profitability

Value: 97.07%

Peer Median: 81.45%

#2036 of 2508 Bottom 18.9% in <100M tier