BlastPoint's Credit Union Scorecard

BRAGG MUTUAL

Charter #7955 · NC

100M-500M

1070 CUs in 100M-500M nationally 13 in NC

BRAGG MUTUAL has 4 strengths but faces 8 concerns

National Analysis

How does the industry compare?

NC Analysis

How does NC stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ Net Interest Margin 0.22% above tier average
+ Loan Growth Rate: Top 1.1% in tier
+ AMR Growth Rate: Top 2.0% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.46% below tier average
- Efficiency ratio 6.48% above tier (higher cost structure)
- Delinquency rate 0.19% above tier average
- Member decline: -4.7% YoY
- Net Worth Ratio: Bottom 5.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Members	9,152 -4.7% YoY-4.7% QoQ	-6.0K	15,145 -2.5% YoY	91,843 +3.2% YoY	33,913 +5.7% YoY	26%
Assets	$130.4M +2.1% YoY+2.3% QoQ	$-101.3M	$231.7M +0.8% YoY	$1.6B +7.7% YoY	$578.3M +9.0% YoY	20%
Loans	$89.4M +31.9% YoY+5.2% QoQ	$-54.8M	$144.1M +0.2% YoY	$1.1B +5.7% YoY	$402.4M +8.7% YoY	30%
Deposits	$118.3M +2.4% YoY+2.7% QoQ	$-82.8M	$201.1M +0.4% YoY	$1.4B +7.2% YoY	$494.3M +9.1% YoY	23%

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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	0.3% -151.9% YoY-226.9% QoQ	-0.5%	0.7% +5.1% YoY	0.4% +21.7% YoY	0.4% -39.2% YoY	21%
NIM	3.9% +15.5% YoY+8.7% QoQ	+0.2%	3.6% +4.6% YoY	4.0% +0.2% YoY	3.8% +4.1% YoY	66%
Efficiency Ratio	84.5% -11.5% YoY-4.9% QoQ	+6.5%	78.0% -1.7% YoY	84.1% +2.7% YoY	84.6% +2.8% YoY	70%
Delinquency Rate	1.0% -51.9% YoY-12.0% QoQ	+0.2	0.8% +7.1% YoY	1.3% -24.7% YoY	1.2% +3.4% YoY	74%
Loan To Share	75.5% +28.8% YoY+2.4% QoQ	+5.1%	70.4% -0.4% YoY	74.3% +0.8% YoY	65.6% -1.4% YoY	56%
AMR	$22,692 +18.9% YoY+8.9% QoQ	$-2K	$24,918 +2.7% YoY	$17,856 +2.9% YoY	$19,920 +1.6% YoY	48%
CD Concentration	31.1% -4.5% YoY+9.2% QoQ	+6.8%	24.3%	21.2%	19.8%	50%
Indirect Auto %	0.1% -68.6% YoY-24.8% QoQ	-13.7%	13.8%	4.9%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#28 of 491 • Top 50.0% in tier

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

Why This Signature

AMR Growth (YoY): 18.92%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | Rank improving

Concerns (3)

Membership Headwinds

decline

#142 of 570 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -4.73%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#287 of 570 • Bottom 50.0% 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): -4.73%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 31.86%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.96%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Efficiency Drag

risk

#556 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 84.50%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.79% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -4.73%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 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 1070 peers in tier

Top Strengths (4 metrics)

Loan Growth Rate

growth

Value: 31.86%

Peer Median: 2.93%

#13 of 1070 Top 1.1% in 100M-500M tier

AMR Growth Rate

growth

Value: 18.92%

Peer Median: 3.46%

#22 of 1070 Top 2.0% in 100M-500M tier

181

Members Per Employee (MPE)

engagement

Value: 416.000

Peer Median: 309.176

#181 of 1070 Top 16.8% in 100M-500M tier

209

Fee Income Per Member

profitability

Value: $215.93

Peer Median: $154.95

#209 of 1070 Top 19.4% in 100M-500M tier

Top Weaknesses (6 metrics)

1018

Net Worth Ratio

risk

Value: 8.26%

Peer Median: 11.45%

#1018 of 1070 Bottom 5.0% in 100M-500M tier

950

Member Growth Rate

growth

Value: -4.73%

Peer Median: -0.06%

#950 of 1070 Bottom 11.3% in 100M-500M tier

858

Total Assets

balance_sheet

Value: $130.36M

Peer Median: $196.57M

#858 of 1070 Bottom 19.9% in 100M-500M tier

850

Return on Assets (ROA)

profitability

Value: 0.27%

Peer Median: 0.69%

#850 of 1070 Bottom 20.7% in 100M-500M tier

820

Total Deposits

balance_sheet

Value: $118.31M

Peer Median: $171.29M

#820 of 1070 Bottom 23.5% in 100M-500M tier

806

Share Certificate Concentration (%)

balance_sheet

Value: 31.10%

Peer Median: 23.10%

#806 of 1070 Bottom 24.8% in 100M-500M tier