BlastPoint's Credit Union Scorecard
OTEEN V. A.
Charter #932 · NC
OTEEN V. A. demonstrates 4 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.54% above tier average
- + Net Interest Margin 0.39% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 9.5% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,064
-0.4% YoY+0.0% QoQ
|
-561 |
2,625
-2.2% YoY
|
91,841
+6.6% YoY
|
33,089
+6.1% YoY
|
52% |
| Assets |
$33.5M
+3.4% YoY+0.1% QoQ
|
+$3.6M |
$29.9M
+1.1% YoY
|
$1.5B
+5.5% YoY
|
$547.7M
+7.8% YoY
|
64% |
| Loans |
$13.8M
+3.1% YoY-0.5% QoQ
|
$-2.0M |
$15.8M
-2.4% YoY
|
$1.1B
+9.9% YoY
|
$388.7M
+8.6% YoY
|
59% |
| Deposits |
$29.5M
+1.1% YoY-1.1% QoQ
|
+$4.0M |
$25.5M
+0.4% YoY
|
$1.3B
+12.1% YoY
|
$464.6M
+9.3% YoY
|
64% |
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| ROA |
2.2%
+15.0% YoY+5.9% QoQ
|
+1.5% |
0.7%
-731.4% YoY
|
0.4%
-19.0% YoY
|
0.7%
+273.4% YoY
|
Top 6.0% in tier |
| NIM |
4.3%
+5.3% YoY+0.3% QoQ
|
+0.4% |
3.9%
+3.8% YoY
|
4.1%
+4.0% YoY
|
3.7%
+5.0% YoY
|
67% |
| Efficiency Ratio |
55.2%
-6.4% YoY-1.1% QoQ
|
-26.2% |
81.4%
-2.4% YoY
|
81.5%
-1.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 9.5% in tier |
| Delinquency Rate |
0.3%
+79.9% YoY+13.4% QoQ
|
-1.2 |
1.5%
-2.0% YoY
|
1.5%
+2.4% YoY
|
1.2%
-0.9% YoY
|
35% |
| Loan To Share |
46.8%
+1.9% YoY+0.6% QoQ
|
-14.4% |
61.2%
-3.0% YoY
|
76.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
28% |
| AMR |
$20,960
+2.2% YoY-0.9% QoQ
|
+$6K |
$14,627
-2.7% YoY
|
$17,441
+4.0% YoY
|
$19,418
+1.3% YoY
|
83% |
| CD Concentration |
5.7%
-16.6% YoY+13.7% QoQ
|
-18.7% |
24.4%
+4.2% YoY
|
20.6%
+2.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.3%
-2.9% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)