BlastPoint's Credit Union Scorecard

LATINO COMMUNITY

Charter #68430 · NC

Mid-Market 1B-3B

300 CUs in 1B-3B nationally 6 in NC

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LATINO COMMUNITY has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

NC Analysis

How does NC stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 1.22% above tier average
+ Net Worth Ratio: Top 0.7% in tier
+ Loan-to-Share Ratio: Top 0.7% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 0.8% in tier
- Credit Quality Pressure: Bottom 19.4% in tier
- Credit Risk Growth: Bottom 72.8% in tier
- Stagnation Risk: Bottom 94.1% in tier
- Membership Headwinds: Bottom 94.1% in tier
- Efficiency ratio 6.28% above tier (higher cost structure)
- Delinquency rate 0.95% above tier average
- Member decline: -4.4% YoY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 6 that size in North Carolina.
Shares and deposits -2.5% year over year ($735M in shares and deposits).
Membership: 124,269 members, -4.4% vs a year ago.
Delinquency rate 1.81%.
Return on assets 0.77%.
Efficiency ratio 79.30% vs a 73.02% peer average.
Loan-to-share ratio 118.48% vs a 84.71% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Members	124,269 -4.4% YoY-1.2% QoQ	+27.4K	96,861 -1.9% YoY	91,933 +2.2% YoY	34,678 +6.6% YoY	77%
Assets	$1.0B -1.4% YoY-1.0% QoQ	$-682.3M	$1.7B +0.4% YoY	$1.6B +7.2% YoY	$593.1M +10.2% YoY	Bottom 5.7% in tier
Loans	$870.9M +2.0% YoY+1.8% QoQ	$-363.3M	$1.2B +0.7% YoY	$1.1B +5.6% YoY	$418.6M +10.1% YoY	24%
Deposits	$735.0M -2.5% YoY-1.8% QoQ	$-728.3M	$1.5B +0.5% YoY	$1.4B +7.1% YoY	$504.8M +10.3% YoY	Bottom 0.1% in tier

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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	0.8% +58.3% YoY+16.0% QoQ	+0.0%	0.8% +27.6% YoY	0.9% +189.6% YoY	1.2% +121.4% YoY	50%
NIM	4.6% +6.0% YoY+1.7% QoQ	+1.2%	3.4% +6.6% YoY	4.0% +0.2% YoY	3.8% +2.3% YoY	Top 2.7% in tier
Efficiency Ratio	79.3% -4.0% YoY-1.6% QoQ	+6.3%	73.0% -2.7% YoY	83.1% +0.7% YoY	83.0% -5.3% YoY	76%
Delinquency Rate	1.8% +14.0% YoY+35.1% QoQ	+0.9	0.9% +7.3% YoY	1.5% +12.0% YoY	1.3% +2.6% YoY	Bottom 5.7% in tier
Loan To Share	118.5% +4.6% YoY+3.7% QoQ	+33.8%	84.7% +0.1% YoY	74.9% +0.0% YoY	66.4% -1.4% YoY	Top 1.0% in tier
AMR	$12,923 +4.6% YoY+1.4% QoQ	$-17K	$29,575 +1.5% YoY	$17,976 +4.0% YoY	$20,028 -0.9% YoY	Bottom 0.1% in tier
CD Concentration	34.6% +0.7% YoY-1.1% QoQ	+5.5%	29.1%	21.4%	20.0%	74%
Indirect Auto %	0.0%	-18.1%	18.1%	4.6%	7.7%	Top 0.1% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Stagnation Risk

risk

#14 of 86 • Bottom 94.1% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -4.45%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 2.00%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

Delinquency Rate: 1.81%

(Tier: 0.86%, National: 1.26%)

worse than tier avg

86 of 377 Mid-Market CUs have this signature | 653 nationally

→ Stable (82→86 CUs) +4 CUs YoY | Rank improving

Liquidity Strain

risk

#43 of 168 • Bottom 0.8% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 118.48%

(Tier: 85.94%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 2.00%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

168 of 377 Mid-Market CUs have this signature | 432 nationally

→ Stable (173→168 CUs) -5 CUs YoY | Rank improving

Membership Headwinds

decline

#23 of 86 • Bottom 94.1% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -4.45%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

86 of 377 Mid-Market CUs have this signature | 653 nationally

→ Stable (82→86 CUs) +4 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#72 of 215 • Bottom 19.4% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.22% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | Rank worsening

Credit Risk Growth

risk

#111 of 170 • Bottom 72.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 2.00%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.22% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

170 of 377 Mid-Market CUs have this signature | 688 nationally

→ Stable (169→170 CUs) +1 CUs YoY | New qualifier

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 300 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 14.26%

#1 of 300 Top 0.1% in 1B-3B tier

Net Worth Ratio

risk

Value: 24.23%

Peer Median: 10.91%

#3 of 300 Top 0.7% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 118.48%

Peer Median: 87.07%

#3 of 300 Top 0.7% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 4.65%

Peer Median: 3.46%

#8 of 300 Top 2.3% in 1B-3B tier

Total Members

engagement

Value: 124,269

Peer Median: 86,516

#70 of 300 Top 23.0% in 1B-3B tier

Top Weaknesses (13 metrics)

300

Total Deposits

balance_sheet

Value: $735.05M

Peer Median: $1.30B

#300 of 300 Bottom 0.3% in 1B-3B tier

300

Average Member Relationship (AMR)

engagement

Value: $12,923

Peer Median: $28,089

#300 of 300 Bottom 0.3% in 1B-3B tier

297

First Mortgage Concentration (%)

balance_sheet

Value: 76.58%

Peer Median: 33.59%

#297 of 300 Bottom 1.3% in 1B-3B tier

292

Loan-to-Member Ratio (LMR)

engagement

Value: $7,008

Peer Median: $12,809

#292 of 300 Bottom 3.0% in 1B-3B tier

289

Fee Income Per Member

profitability

Value: $89.76

Peer Median: $204.73

#289 of 300 Bottom 4.0% in 1B-3B tier

286

Deposit Growth Rate

growth

Value: -2.45%

Peer Median: 4.79%

#286 of 300 Bottom 5.0% in 1B-3B tier

284

Total Delinquency Rate (60+ days)

risk

Value: 1.81%

Peer Median: 0.70%

#284 of 300 Bottom 5.7% in 1B-3B tier

283

Total Assets

balance_sheet

Value: $1.04B

Peer Median: $1.51B

#283 of 300 Bottom 6.0% in 1B-3B tier

281

Member Growth Rate

growth

Value: -4.45%

Peer Median: 1.84%

#281 of 300 Bottom 6.7% in 1B-3B tier

274

Asset Growth Rate

growth

Value: -1.37%

Peer Median: 5.21%

#274 of 300 Bottom 9.0% in 1B-3B tier