BlastPoint's Credit Union Scorecard
BRAGG MUTUAL
Charter #7955 · NC
BRAGG MUTUAL has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 19.6% in tier
- + Asset Growth Rate: Top 6.0% in tier
- + Deposit Growth Rate: Top 6.0% in tier
- + AMR Growth Rate: Top 7.1% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 7.6% in tier
- - Membership Headwinds: Bottom 30.8% in tier
- - Stagnation Risk: Bottom 33.2% in tier
- - ROA 1.08% below tier average
- - Efficiency ratio 14.47% above tier (higher cost structure)
- - Delinquency rate 0.39% above tier average
- - Net Worth Ratio: Bottom 7.9% in tier
- - Net Charge-Off Rate: Bottom 8.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,608
-0.8% YoY+0.0% QoQ
|
-6.0K |
15,628
-3.4% YoY
|
91,841
+6.6% YoY
|
33,089
+6.1% YoY
|
27% |
| Assets |
$128.3M
+12.0% YoY-1.4% QoQ
|
$-103.0M |
$231.3M
-0.0% YoY
|
$1.5B
+5.5% YoY
|
$547.7M
+7.8% YoY
|
19% |
| Loans |
$74.1M
+5.9% YoY+4.2% QoQ
|
$-73.7M |
$147.8M
-1.4% YoY
|
$1.1B
+9.9% YoY
|
$388.7M
+8.6% YoY
|
18% |
| Deposits |
$115.5M
+12.8% YoY-2.0% QoQ
|
$-84.8M |
$200.3M
-0.0% YoY
|
$1.3B
+12.1% YoY
|
$464.6M
+9.3% YoY
|
22% |
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| ROA |
-0.3%
-230.3% YoY-27.5% QoQ
|
-1.1% |
0.8%
+15.5% YoY
|
0.4%
-19.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 3.0% in tier |
| NIM |
3.4%
-17.7% YoY+3.8% QoQ
|
-0.2% |
3.6%
+6.9% YoY
|
4.1%
+4.0% YoY
|
3.7%
+5.0% YoY
|
36% |
| Efficiency Ratio |
91.8%
+4.9% YoY-2.2% QoQ
|
+14.5% |
77.3%
-3.0% YoY
|
81.5%
-1.2% YoY
|
79.1%
-3.3% YoY
|
Top 7.9% in tier |
| Delinquency Rate |
1.2%
-51.2% YoY-44.6% QoQ
|
+0.4 |
0.9%
+7.6% YoY
|
1.5%
+2.4% YoY
|
1.2%
-0.9% YoY
|
79% |
| Loan To Share |
64.2%
-6.1% YoY+6.3% QoQ
|
-8.5% |
72.7%
-1.5% YoY
|
76.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
30% |
| AMR |
$19,734
+10.8% YoY+0.3% QoQ
|
$-5K |
$24,363
+2.9% YoY
|
$17,441
+4.0% YoY
|
$19,418
+1.3% YoY
|
33% |
| CD Concentration |
29.5%
+3.6% YoY-7.3% QoQ
|
+5.1% |
24.4%
+4.2% YoY
|
20.6%
+2.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
0.1%
-65.7% YoY-22.2% QoQ
|
-13.9% |
14.0%
-5.7% YoY
|
5.3%
-2.9% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
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)