BlastPoint's Credit Union Scorecard

LATINO COMMUNITY

Charter #68430 · NC

Mid-Market 1B-3B

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

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LATINO COMMUNITY has 4 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

+ Wallet Share Momentum: Top 30.5% in tier
+ 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 1.0% in tier
- Efficiency Drag: Bottom 24.3% in tier
- Stagnation Risk: Bottom 94.2% in tier
- Membership Headwinds: Bottom 94.2% in tier
- Institutional Decline: Bottom 96.1% in tier
- ROA 0.05% below tier average
- Efficiency ratio 5.98% above tier (higher cost structure)
- Delinquency rate 0.58% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Members	125,782 -5.4% YoY-0.8% QoQ	+29.7K	96,048 -2.7% YoY	91,843 +3.2% YoY	33,913 +5.7% YoY	78%
Assets	$1.1B -0.1% YoY+0.4% QoQ	$-667.7M	$1.7B +0.4% YoY	$1.6B +7.7% YoY	$578.3M +9.0% YoY	Bottom 4.9% in tier
Loans	$855.1M -0.6% YoY-0.2% QoQ	$-358.6M	$1.2B +0.2% YoY	$1.1B +5.7% YoY	$402.4M +8.7% YoY	22%
Deposits	$748.7M -0.2% YoY+0.6% QoQ	$-716.9M	$1.5B +0.5% YoY	$1.4B +7.2% YoY	$494.3M +9.1% 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	0.7% +91.2% YoY-7.9% QoQ	-0.1%	0.7% +27.6% YoY	0.4% +21.7% YoY	0.4% -39.2% YoY	51%
NIM	4.6% +5.7% YoY+2.2% QoQ	+1.2%	3.4% +6.2% YoY	4.0% +0.2% YoY	3.8% +4.1% YoY	Top 2.9% in tier
Efficiency Ratio	80.6% -8.6% YoY+2.7% QoQ	+6.0%	74.6% -3.0% YoY	84.1% +2.7% YoY	84.6% +2.8% YoY	74%
Delinquency Rate	1.3% -20.8% YoY-34.4% QoQ	+0.6	0.8% +6.9% YoY	1.3% -24.7% YoY	1.2% +3.4% YoY	Bottom 10.1% in tier
Loan To Share	114.2% -0.3% YoY-0.8% QoQ	+31.0%	83.2% -0.4% YoY	74.3% +0.8% YoY	65.6% -1.4% YoY	Top 1.0% in tier
AMR	$12,751 +5.3% YoY+1.0% QoQ	$-17K	$29,652 +2.3% YoY	$17,856 +2.9% YoY	$19,920 +1.6% YoY	Bottom 0.1% in tier
CD Concentration	35.0% +0.7% YoY-0.3% QoQ	+6.1%	28.8%	21.2%	19.8%	78%
Indirect Auto %	0.0%	-18.1%	18.1%	4.9%	7.7%	Top 0.1% in tier

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#116 of 125 • Top 30.5% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.26%

(Tier: 3.34%, National: 6.36%)

better than tier avg

125 of 384 Mid-Market CUs have this signature | 637 nationally

↑ Growing +31 CUs YoY | New qualifier

Concerns (5)

Stagnation Risk

risk

#10 of 91 • Bottom 94.2% 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): -5.38%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -0.55%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Rate: 1.34%

(Tier: 0.75%, National: 1.19%)

worse than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Membership Headwinds

decline

#23 of 91 • Bottom 94.2% in tier

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

Why This Signature

Member Growth (YoY): -5.38%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Liquidity Strain

risk

#48 of 148 • Bottom 1.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 114.22%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): -0.55%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 CUs YoY | Rank worsening

Institutional Decline

decline

#27 of 31 • Bottom 96.1% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $1.05B

(Tier: $2.16B, National: $578.34M)

worse than tier avg

Member Growth (YoY): -5.38%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -0.55%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

31 of 384 Mid-Market CUs have this signature | 289 nationally

→ No prior data (31 CUs now) | New qualifier

Efficiency Drag

risk

#98 of 100 • Bottom 24.3% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 80.61%

(Tier: 73.98%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.32% points

(Tier: 0.14% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -5.38%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

100 of 384 Mid-Market CUs have this signature | 702 nationally

↓ Shrinking -38 CUs YoY | Rank worsening

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 306 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 13.86%

#1 of 306 Top 0.1% in 1B-3B tier

Net Worth Ratio

risk

Value: 23.78%

Peer Median: 10.85%

#3 of 306 Top 0.7% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 114.22%

Peer Median: 85.31%

#3 of 306 Top 0.7% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 4.57%

Peer Median: 3.37%

#9 of 306 Top 2.6% in 1B-3B tier

Total Members

engagement

Value: 125,782

Peer Median: 85,918

#67 of 306 Top 21.6% in 1B-3B tier

Top Weaknesses (13 metrics)

306

Total Deposits

balance_sheet

Value: $748.67M

Peer Median: $1.31B

#306 of 306 Bottom 0.3% in 1B-3B tier

306

Average Member Relationship (AMR)

engagement

Value: $12,751

Peer Median: $28,178

#306 of 306 Bottom 0.3% in 1B-3B tier

303

First Mortgage Concentration (%)

balance_sheet

Value: 76.16%

Peer Median: 33.05%

#303 of 306 Bottom 1.3% in 1B-3B tier

300

Loan-to-Member Ratio (LMR)

engagement

Value: $6,799

Peer Median: $12,733

#300 of 306 Bottom 2.3% in 1B-3B tier

294

Fee Income Per Member

profitability

Value: $78.10

Peer Median: $191.54

#294 of 306 Bottom 4.2% in 1B-3B tier

291

Total Assets

balance_sheet

Value: $1.05B

Peer Median: $1.51B

#291 of 306 Bottom 5.2% in 1B-3B tier

286

Member Growth Rate

growth

Value: -5.38%

Peer Median: 2.03%

#286 of 306 Bottom 6.9% in 1B-3B tier

276

Total Delinquency Rate (60+ days)

risk

Value: 1.34%

Peer Median: 0.63%

#276 of 306 Bottom 10.1% in 1B-3B tier

272

Deposit Growth Rate

growth

Value: -0.25%

Peer Median: 4.44%

#272 of 306 Bottom 11.4% in 1B-3B tier

265

Asset Growth Rate

growth

Value: -0.10%

Peer Median: 4.82%

#265 of 306 Bottom 13.7% in 1B-3B tier