BlastPoint's Credit Union Scorecard
BRAGG MUTUAL
Charter #7955 · NC
BRAGG MUTUAL has 5 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Net Interest Margin 0.15% above tier average
- + Net Charge-Off Rate: Top 1.0% in tier
- + Loan Growth Rate: Top 1.5% in tier
- + AMR Growth Rate: Top 3.0% 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 0.62% below tier average
- - Efficiency ratio 7.28% above tier (higher cost structure)
- - Member decline: -4.7% YoY
- - Net Worth Ratio: Bottom 4.5% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 13 that size in North Carolina.
- Shares and deposits +0.9% year over year ($119M in shares and deposits).
- Membership: 9,157 members, -4.7% vs a year ago.
- Delinquency rate 0.85%.
- Return on assets 0.24%.
- Efficiency ratio 84.01% vs a 76.73% peer average.
- Loan-to-share ratio 75.34% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,157
-4.7% YoY+0.1% QoQ
|
-6.0K |
15,168
-2.6% YoY
|
91,933
+2.2% YoY
|
34,678
+6.6% YoY
|
26% |
| Assets |
$131.1M
+0.8% YoY+0.6% QoQ
|
$-100.9M |
$232.0M
+0.7% YoY
|
$1.6B
+7.2% YoY
|
$593.1M
+10.2% YoY
|
20% |
| Loans |
$89.6M
+26.0% YoY+0.3% QoQ
|
$-56.7M |
$146.3M
+0.2% YoY
|
$1.1B
+5.6% YoY
|
$418.6M
+10.1% YoY
|
29% |
| Deposits |
$118.9M
+0.9% YoY+0.5% QoQ
|
$-81.8M |
$200.7M
+0.2% YoY
|
$1.4B
+7.1% YoY
|
$504.8M
+10.3% YoY
|
23% |
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| ROA |
0.2%
-158.9% YoY-11.3% QoQ
|
-0.6% |
0.9%
+12.5% YoY
|
0.9%
+189.6% YoY
|
1.2%
+121.4% YoY
|
Bottom 10.8% in tier |
| NIM |
3.8%
+17.9% YoY-0.4% QoQ
|
+0.2% |
3.7%
+4.5% YoY
|
4.0%
+0.2% YoY
|
3.8%
+2.3% YoY
|
61% |
| Efficiency Ratio |
84.0%
-10.5% YoY-0.6% QoQ
|
+7.3% |
76.7%
-0.8% YoY
|
83.1%
+0.7% YoY
|
83.0%
-5.3% YoY
|
73% |
| Delinquency Rate |
0.9%
-62.0% YoY-11.4% QoQ
|
+0.0 |
0.9%
+6.6% YoY
|
1.5%
+12.0% YoY
|
1.3%
+2.6% YoY
|
60% |
| Loan To Share |
75.3%
+24.9% YoY-0.3% QoQ
|
+3.8% |
71.5%
-0.3% YoY
|
74.9%
+0.0% YoY
|
66.4%
-1.4% YoY
|
54% |
| AMR |
$22,772
+15.8% YoY+0.4% QoQ
|
$-2K |
$25,107
+3.2% YoY
|
$17,976
+4.0% YoY
|
$20,028
-0.9% YoY
|
48% |
| CD Concentration |
31.3%
-1.8% YoY+0.6% QoQ
|
+6.7% | 24.6% | 21.4% | 20.0% | 50% |
| Indirect Auto % |
0.0%
-67.2% YoY-19.5% QoQ
|
-13.6% | 13.6% | 4.6% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)