BlastPoint's Credit Union Scorecard

LATINO COMMUNITY

Charter #68430 · NC

Mid-Market 1B-3B

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

View Mid-Market leaderboard →

LATINO COMMUNITY has 7 strengths but faces 17 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 16.4% in tier
+ ROA 0.04% above tier average
+ Net Interest Margin 1.20% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Loan-to-Share Ratio: Top 0.7% in tier
+ Net Worth Ratio: Top 1.0% in tier
+ AMR Growth Rate: Top 5.6% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 3.6% in tier
- Membership Headwinds: Bottom 9.5% in tier
- Liquidity Strain: Bottom 29.1% in tier
- Liquidity Overhang: Bottom 62.5% in tier
- Institutional Decline: Bottom 75.9% in tier
- Efficiency ratio 4.43% above tier (higher cost structure)
- Delinquency rate 1.14% above tier average
- Member decline: -12.1% YoY
- Total Deposits: Bottom 0.3% in tier
- Average Member Relationship (AMR): Bottom 0.3% in tier
- First Mortgage Concentration (%): Bottom 1.3% in tier
- Loan-to-Member Ratio (LMR): Bottom 2.3% in tier
- Fee Income Per Member: Bottom 3.3% in tier
- Member Growth Rate: Bottom 3.6% in tier
- Total Assets: Bottom 3.6% in tier
- Total Delinquency Rate (60+ days): Bottom 4.0% in tier
- Deposit Growth Rate: Bottom 9.9% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Members	126,823 -12.1% YoY-1.2% QoQ	+29.4K	97,431 -2.4% YoY	91,719 +6.9% YoY	33,374 +5.7% YoY	78%
Assets	$1.0B -0.5% YoY-0.7% QoQ	$-675.5M	$1.7B +0.9% YoY	$1.6B +12.6% YoY	$561.6M +9.7% YoY	Bottom 3.3% in tier
Loans	$857.2M -1.1% YoY+0.1% QoQ	$-377.2M	$1.2B +0.5% YoY	$1.1B +9.8% YoY	$397.0M +8.8% YoY	20%
Deposits	$744.3M -1.3% YoY-1.1% QoQ	$-715.0M	$1.5B +0.9% YoY	$1.4B +12.2% YoY	$477.3M +9.7% YoY	Bottom 0.0% 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% -35.5% YoY+19.6% QoQ	+0.0%	0.7% +20.9% YoY	0.2% -40.7% YoY	0.7% +15.9% YoY	57%
NIM	4.5% +8.2% YoY+1.0% QoQ	+1.2%	3.3% +9.2% YoY	4.1% +4.6% YoY	3.8% +5.1% YoY	Top 3.6% in tier
Efficiency Ratio	78.5% +3.2% YoY-3.2% QoQ	+4.4%	74.1% -9.5% YoY	80.6% -3.1% YoY	79.7% -3.3% YoY	68%
Delinquency Rate	2.0% -0.9% YoY+18.7% QoQ	+1.1	0.9% +6.2% YoY	2.1% -15.0% YoY	1.3% -2.1% YoY	Top 4.0% in tier
Loan To Share	115.2% +0.2% YoY+1.2% QoQ	+30.4%	84.8% -0.8% YoY	75.9% +1.0% YoY	67.4% -1.7% YoY	Top 1.0% in tier
AMR	$12,628 +12.3% YoY+0.8% QoQ	$-17K	$29,428 +2.4% YoY	$17,588 +4.6% YoY	$19,687 +2.0% YoY	Bottom 0.0% in tier
CD Concentration	35.1% -1.1% YoY-0.2% QoQ	+6.0%	29.0%	21.7%	19.8%	77%
Indirect Auto %	0.0%	-18.3%	18.3%	5.1%	7.8%	Bottom 0.0% in tier

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#21 of 123 • Top 16.4% in tier

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

Why This Signature

AMR Growth (YoY): 12.32%

(Tier: 3.31%, National: 4.00%)

better than tier avg

123 of 378 Mid-Market CUs have this signature | 662 nationally

↑ Growing +38 CUs YoY | New qualifier

Concerns (5)

Stagnation Risk

risk

#4 of 85 • Bottom 3.6% 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): -12.06%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -1.14%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

Delinquency Rate: 2.04%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

85 of 378 Mid-Market CUs have this signature | 652 nationally

→ No prior data (85 CUs now) | New qualifier

Membership Headwinds

decline

#9 of 85 • Bottom 9.5% in tier

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

Why This Signature

Member Growth (YoY): -12.06%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

85 of 378 Mid-Market CUs have this signature | 652 nationally

→ No prior data (85 CUs now) | New qualifier

Liquidity Strain

risk

#49 of 166 • Bottom 29.1% in tier

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

Why This Signature

Loan-to-Share Ratio: 115.17%

(Tier: 85.73%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): -1.14%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

166 of 378 Mid-Market CUs have this signature | 439 nationally

↓ Shrinking -7 CUs YoY | Rank worsening

Liquidity Overhang

risk

#11 of 17 • Bottom 62.5% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 23.71%

(Tier: 11.27%, National: 14.49%)

but better than tier avg

Loan-to-Share Ratio: 115.17%

(Tier: 85.73%, National: 67.44%)

but better than tier avg

17 of 378 Mid-Market CUs have this signature | 155 nationally

→ Stable (16→17 CUs) +1 CUs YoY

Institutional Decline

decline

#23 of 30 • Bottom 75.9% 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: $2.17B, National: $561.61M)

worse than tier avg

Member Growth (YoY): -12.06%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -1.14%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

30 of 378 Mid-Market CUs have this signature | 277 nationally

→ No prior data (30 CUs now) | 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 302 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 302 Top 0.0% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 115.17%

Peer Median: -

#3 of 302 Top 0.7% in 1B-3B tier

Net Worth Ratio

risk

Value: 23.71%

Peer Median: -

#4 of 302 Top 1.0% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 4.47%

Peer Median: -

#11 of 302 Top 3.3% in 1B-3B tier

AMR Growth Rate

growth

Value: 12.32%

Peer Median: -

#18 of 302 Top 5.6% in 1B-3B tier

Total Members

engagement

Value: 126,823

Peer Median: -

#66 of 302 Top 21.5% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 407.791

Peer Median: -

#71 of 302 Top 23.2% in 1B-3B tier

Top Weaknesses (13 metrics)

302

Total Deposits

balance_sheet

Value: $744.28M

Peer Median: -

#302 of 302 Bottom 0.3% in 1B-3B tier

302

Average Member Relationship (AMR)

engagement

Value: $12,628

Peer Median: -

#302 of 302 Bottom 0.3% in 1B-3B tier

299

First Mortgage Concentration (%)

balance_sheet

Value: 75.82%

Peer Median: -

#299 of 302 Bottom 1.3% in 1B-3B tier

296

Loan-to-Member Ratio (LMR)

engagement

Value: $6,759

Peer Median: -

#296 of 302 Bottom 2.3% in 1B-3B tier

293

Fee Income Per Member

profitability

Value: $92.05

Peer Median: -

#293 of 302 Bottom 3.3% in 1B-3B tier

292

Member Growth Rate

growth

Value: -12.06%

Peer Median: -

#292 of 302 Bottom 3.6% in 1B-3B tier

292

Total Assets

balance_sheet

Value: $1.05B

Peer Median: -

#292 of 302 Bottom 3.6% in 1B-3B tier

291

Total Delinquency Rate (60+ days)

risk

Value: 2.04%

Peer Median: -

#291 of 302 Bottom 4.0% in 1B-3B tier

273

Deposit Growth Rate

growth

Value: -1.32%

Peer Median: -

#273 of 302 Bottom 9.9% in 1B-3B tier

266

Asset Growth Rate

growth

Value: -0.50%

Peer Median: -

#266 of 302 Bottom 12.3% in 1B-3B tier