BlastPoint's Credit Union Scorecard
BRAGG MUTUAL
Charter #7955 · NC
BRAGG MUTUAL has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 17.8% in tier
- + Loan Growth Rate: Top 2.5% in tier
- + AMR Growth Rate: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 18.4% in tier
- - ROA 0.98% below tier average
- - Efficiency ratio 11.84% above tier (higher cost structure)
- - Delinquency rate 0.20% above tier average
- - Net Worth Ratio: Bottom 7.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,600
-0.1% YoY-0.1% QoQ
|
-5.8K |
15,437
-2.9% YoY
|
91,719
+6.9% YoY
|
33,374
+5.7% YoY
|
29% |
| Assets |
$127.4M
+4.4% YoY-0.7% QoQ
|
$-104.4M |
$231.9M
+1.3% YoY
|
$1.6B
+12.6% YoY
|
$561.6M
+9.7% YoY
|
18% |
| Loans |
$84.9M
+23.4% YoY+14.6% QoQ
|
$-62.4M |
$147.3M
-0.1% YoY
|
$1.1B
+9.8% YoY
|
$397.0M
+8.8% YoY
|
25% |
| Deposits |
$115.2M
+4.6% YoY-0.3% QoQ
|
$-85.6M |
$200.8M
+0.8% YoY
|
$1.4B
+12.2% YoY
|
$477.3M
+9.7% YoY
|
21% |
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| ROA |
-0.2%
-183.9% YoY-27.9% QoQ
|
-1.0% |
0.8%
+18.2% YoY
|
0.2%
-40.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 4.5% in tier |
| NIM |
3.5%
-8.1% YoY+5.0% QoQ
|
-0.1% |
3.6%
+6.7% YoY
|
4.1%
+4.6% YoY
|
3.8%
+5.1% YoY
|
47% |
| Efficiency Ratio |
88.9%
+3.3% YoY-3.2% QoQ
|
+11.8% |
77.0%
-3.1% YoY
|
80.6%
-3.1% YoY
|
79.7%
-3.3% YoY
|
Top 12.1% in tier |
| Delinquency Rate |
1.1%
-64.9% YoY-12.1% QoQ
|
+0.2 |
0.9%
+4.2% YoY
|
2.1%
-15.0% YoY
|
1.3%
-2.1% YoY
|
74% |
| Loan To Share |
73.7%
+17.9% YoY+15.0% QoQ
|
+1.5% |
72.2%
-1.1% YoY
|
75.9%
+1.0% YoY
|
67.4%
-1.7% YoY
|
51% |
| AMR |
$20,846
+11.9% YoY+5.6% QoQ
|
$-4K |
$24,676
+3.4% YoY
|
$17,588
+4.6% YoY
|
$19,687
+2.0% YoY
|
39% |
| CD Concentration |
28.5%
-9.9% YoY-3.6% QoQ
|
+4.0% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % |
0.1%
-72.0% YoY-30.4% QoQ
|
-13.7% | 13.8% | 5.1% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)