BlastPoint's Credit Union Scorecard

SOUTH CAROLINA

Charter #1022 · SC

Mid-Market 1B-3B

304 CUs in 1B-3B nationally 8 in SC

View Mid-Market leaderboard →

SOUTH CAROLINA has 8 strengths but faces 11 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

SC Analysis

How does SC stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 14.8% in tier
+ ROA 0.09% above tier average
+ Net Interest Margin 0.98% above tier average
+ Share Certificate Concentration (%): Top 0.7% in tier
+ AMR Growth Rate: Top 4.6% in tier
+ Fee Income Per Member: Top 7.2% in tier
+ Total Members: Top 9.5% in tier
+ Total Loans: Top 9.9% in tier

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 2.9% in tier
- Stagnation Risk: Bottom 2.9% in tier
- Membership Headwinds: Bottom 3.8% in tier
- Credit Quality Pressure: Bottom 4.8% in tier
- Efficiency Drag: Bottom 22.8% in tier
- Margin Compression: Bottom 25.6% in tier
- Liquidity Strain: Bottom 26.5% in tier
- Efficiency ratio 7.95% above tier (higher cost structure)
- Delinquency rate 0.09% above tier average
- Member decline: -9.7% YoY
- Member Growth Rate: Bottom 3.9% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Members	157,164 -9.7% YoY+1.3% QoQ	+58.5K	98,678 -1.9% YoY	37,124 +2.2% YoY	33,089 +6.1% YoY	Top 9.9% in tier
Assets	$2.5B +0.2% YoY+0.5% QoQ	+$805.8M	$1.7B +0.5% YoY	$514.3M +4.6% YoY	$547.7M +7.8% YoY	85%
Loans	$1.9B -0.1% YoY-0.4% QoQ	+$697.3M	$1.2B +0.5% YoY	$362.8M +7.0% YoY	$388.7M +8.6% YoY	Top 10.2% in tier
Deposits	$2.0B +3.3% YoY+0.7% QoQ	+$563.1M	$1.5B +1.3% YoY	$433.3M +6.0% YoY	$464.6M +9.3% YoY	82%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.8% -13.9% YoY+20.2% QoQ	+0.1%	0.7% +13.4% YoY	1.2% +18.8% YoY	0.7% +273.4% YoY	62%
NIM	4.2% +4.7% YoY+0.8% QoQ	+1.0%	3.3% +9.3% YoY	4.3% +2.6% YoY	3.7% +5.0% YoY	Top 6.2% in tier
Efficiency Ratio	81.9% +2.2% YoY-1.8% QoQ	+8.0%	74.0% -10.9% YoY	75.1% -1.9% YoY	79.1% -3.3% YoY	82%
Delinquency Rate	0.9% +63.9% YoY+24.3% QoQ	+0.1	0.8% +6.1% YoY	0.9% +10.3% YoY	1.2% -0.9% YoY	71%
Loan To Share	95.7% -3.3% YoY-1.1% QoQ	+10.5%	85.2% -0.8% YoY	71.3% -1.2% YoY	68.0% -1.7% YoY	77%
AMR	$25,119 +12.4% YoY-1.1% QoQ	$-4K	$29,172 +2.8% YoY	$16,641 +2.9% YoY	$19,418 +1.3% YoY	35%
CD Concentration	3.8% +8.8% YoY-1.8% QoQ	-25.1%	29.0% +0.7% YoY	17.4% +3.6% YoY	19.6% +6.2% YoY	Bottom 0.8% in tier
Indirect Auto %	12.4% -15.8% YoY-3.5% QoQ	-6.4%	18.8% -3.0% YoY	5.9% -5.3% YoY	7.9% -2.9% YoY	41%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#18 of 116 • Top 14.8% in tier

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

Why This Signature

AMR Growth (YoY): 12.43%

(Tier: 3.04%, National: 4.19%)

better than tier avg

116 of 380 Mid-Market CUs have this signature | 620 nationally

↑ Growing +38 CUs YoY | New qualifier

Concerns (7)

Flatlined Growth

risk

#2 of 18 • Bottom 2.9% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature

Asset Growth (YoY): 0.23%

(Tier: 5.36%, National: 3.04%)

worse than tier avg

Return on Assets: 0.79%

(Tier: 0.71%, National: 0.71%)

but better than tier avg

18 of 380 Mid-Market CUs have this signature | 82 nationally

→ Stable (18→18 CUs) | Rank improving

Stagnation Risk

risk

#8 of 85 • Bottom 2.9% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -9.66%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -0.13%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.92%

(Tier: 0.83%, National: 1.23%)

worse than tier avg

85 of 380 Mid-Market CUs have this signature | 648 nationally

↑ Growing +6 CUs YoY | Rank improving

Membership Headwinds

decline

#10 of 85 • Bottom 3.8% in tier

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

Why This Signature

Member Growth (YoY): -9.66%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

85 of 380 Mid-Market CUs have this signature | 648 nationally

↑ Growing +6 CUs YoY | Rank improving

Credit Quality Pressure

risk

#38 of 217 • Bottom 4.8% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.36% points

(Tier: 0.07% points, National: 0.07% points)

worse than tier avg

217 of 380 Mid-Market CUs have this signature | 1002 nationally

↓ Shrinking -70 CUs YoY | Rank improving

Efficiency Drag

risk

#76 of 96 • Bottom 22.8% in tier

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

Why This Signature

Efficiency Ratio: 81.93%

(Tier: 73.43%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.13% points

(Tier: 0.07% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): -9.66%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

96 of 380 Mid-Market CUs have this signature | 624 nationally

↓ Shrinking -32 CUs YoY | Rank improving

Margin Compression

decline

#22 of 24 • Bottom 25.6% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.79%

(Tier: 0.71%, National: 0.71%)

but better than tier avg

ROA (Prior Year): 0.92%

(Tier: 0.64%, National: 0.67%)

but better than tier avg

ROA Change (YoY): -0.13% points

(Tier: 0.07% points, National: 0.05% points)

worse than tier avg

24 of 380 Mid-Market CUs have this signature | 169 nationally

↓ Shrinking -16 CUs YoY | New qualifier

Liquidity Strain

risk

#140 of 183 • Bottom 26.5% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 95.68%

(Tier: 86.32%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): -0.13%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

183 of 380 Mid-Market CUs have this signature | 484 nationally

↑ Growing +10 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 304 peers in tier

Top Strengths (10 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 3.84%

Peer Avg: -

#3 of 304 Top 0.7% in 1B-3B tier

AMR Growth Rate

growth

Value: 12.43%

Peer Avg: -

#15 of 304 Top 4.6% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 4.24%

Peer Avg: -

#19 of 304 Top 5.9% in 1B-3B tier

Fee Income Per Member

profitability

Value: $327.63

Peer Avg: -

#23 of 304 Top 7.2% in 1B-3B tier

Total Members

engagement

Value: 157,164

Peer Avg: -

#30 of 304 Top 9.5% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.93B

Peer Avg: -

#31 of 304 Top 9.9% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.53B

Peer Avg: -

#46 of 304 Top 14.8% in 1B-3B tier

Net Worth Ratio

risk

Value: 13.05%

Peer Avg: -

#54 of 304 Top 17.4% in 1B-3B tier

Total Deposits

balance_sheet

Value: $2.02B

Peer Avg: -

#55 of 304 Top 17.8% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 95.68%

Peer Avg: -

#70 of 304 Top 22.7% in 1B-3B tier

Top Weaknesses (5 metrics)

293

Member Growth Rate

growth

Value: -9.66%

Peer Avg: -

#293 of 304 Bottom 3.9% in 1B-3B tier

271

First Mortgage Concentration (%)

balance_sheet

Value: 52.91%

Peer Avg: -

#271 of 304 Bottom 11.2% in 1B-3B tier

266

Members Per Employee (MPE)

engagement

Value: 277.675

Peer Avg: -

#266 of 304 Bottom 12.8% in 1B-3B tier

251

Efficiency Ratio

profitability

Value: 81.93%

Peer Avg: -

#251 of 304 Bottom 17.8% in 1B-3B tier

243

Asset Growth Rate

growth

Value: 0.23%

Peer Avg: -

#243 of 304 Bottom 20.4% in 1B-3B tier