BlastPoint's Credit Union Scorecard
LATINO COMMUNITY
Charter #68430 · NC
LATINO COMMUNITY has 6 strengths but faces 20 concerns
How does the industry compare?
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How does NC stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 24.3% in tier
- + Net Interest Margin 1.17% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 1.0% in tier
- + Loan-to-Share Ratio: Top 1.0% in tier
- + AMR Growth Rate: Top 8.2% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 1.3% in tier
- - Capital Constraint: Bottom 6.1% in tier
- - Liquidity Strain: Bottom 11.1% in tier
- - Stagnation Risk: Bottom 12.1% in tier
- - Institutional Decline: Bottom 16.7% in tier
- - Efficiency Drag: Bottom 25.8% in tier
- - Liquidity Overhang: Bottom 56.2% in tier
- - ROA 0.10% below tier average
- - Efficiency ratio 7.08% above tier (higher cost structure)
- - Delinquency rate 0.89% above tier average
- - Member decline: -11.6% YoY
- - Average Member Relationship (AMR): Bottom 0.3% in tier
- - Total Deposits: Bottom 0.3% in tier
- - First Mortgage Concentration (%): Bottom 1.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.0% in tier
- - Member Growth Rate: Bottom 2.6% in tier
- - Fee Income Per Member: Bottom 3.0% in tier
- - Deposit Growth Rate: Bottom 4.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.9% in tier
- - Total Assets: Bottom 6.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
128,420
-11.6% YoY-1.3% QoQ
|
+29.7K |
98,678
-1.9% YoY
|
91,841
+6.6% YoY
|
33,089
+6.1% YoY
|
78% |
| Assets |
$1.1B
-1.9% YoY-0.1% QoQ
|
$-663.9M |
$1.7B
+0.5% YoY
|
$1.5B
+5.5% YoY
|
$547.7M
+7.8% YoY
|
Bottom 6.6% in tier |
| Loans |
$855.9M
-1.9% YoY+0.2% QoQ
|
$-377.1M |
$1.2B
+0.5% YoY
|
$1.1B
+9.9% YoY
|
$388.7M
+8.6% YoY
|
21% |
| Deposits |
$752.5M
-3.5% YoY-0.1% QoQ
|
$-701.9M |
$1.5B
+1.3% YoY
|
$1.3B
+12.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 0.0% in tier |
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| ROA |
0.6%
-15.9% YoY+23.9% QoQ
|
-0.1% |
0.7%
+13.4% YoY
|
0.4%
-19.0% YoY
|
0.7%
+273.4% YoY
|
43% |
| NIM |
4.4%
+7.7% YoY+1.0% QoQ
|
+1.2% |
3.3%
+9.3% YoY
|
4.1%
+4.0% YoY
|
3.7%
+5.0% YoY
|
Top 4.3% in tier |
| Efficiency Ratio |
81.1%
-3.1% YoY-1.9% QoQ
|
+7.1% |
74.0%
-10.9% YoY
|
81.5%
-1.2% YoY
|
79.1%
-3.3% YoY
|
79% |
| Delinquency Rate |
1.7%
-4.6% YoY+8.3% QoQ
|
+0.9 |
0.8%
+6.1% YoY
|
1.5%
+2.4% YoY
|
1.2%
-0.9% YoY
|
Top 6.9% in tier |
| Loan To Share |
113.8%
+1.7% YoY+0.4% QoQ
|
+28.6% |
85.2%
-0.8% YoY
|
76.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
Top 1.3% in tier |
| AMR |
$12,525
+10.1% YoY+1.3% QoQ
|
$-17K |
$29,172
+2.8% YoY
|
$17,441
+4.0% YoY
|
$19,418
+1.3% YoY
|
Bottom 0.0% in tier |
| CD Concentration |
35.1%
-9.3% YoY+2.3% QoQ
|
+6.2% |
29.0%
+0.7% YoY
|
20.6%
+2.2% YoY
|
19.6%
+6.2% YoY
|
78% |
| Indirect Auto % | 0.0% | -18.8% |
18.8%
-3.0% YoY
|
5.3%
-2.9% YoY
|
7.9%
-2.9% YoY
|
Bottom 0.0% in tier |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (7)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
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)