BlastPoint's Credit Union Scorecard

SOUTH CAROLINA

Charter #1022 · SC

Mid-Market 1B-3B

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

View Mid-Market leaderboard →

SOUTH CAROLINA has 7 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 18.8% in tier
+ ROA 0.10% above tier average
+ Net Interest Margin 0.99% above tier average
+ Share Certificate Concentration (%): Top 0.7% in tier
+ Fee Income Per Member: Top 6.3% in tier
+ AMR Growth Rate: Top 6.6% in tier
+ Total Members: Top 9.6% in tier

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 9.1% in tier
- Stagnation Risk: Bottom 9.5% in tier
- Membership Headwinds: Bottom 11.9% in tier
- Institutional Decline: Bottom 13.8% in tier
- Credit Quality Pressure: Bottom 25.2% in tier
- Efficiency Drag: Bottom 77.5% in tier
- Liquidity Strain: Bottom 81.8% in tier
- Efficiency ratio 8.20% above tier (higher cost structure)
- Delinquency rate 0.01% above tier average
- Member decline: -10.4% YoY
- Member Growth Rate: Bottom 4.3% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Members	155,333 -10.4% YoY-1.2% QoQ	+57.9K	97,431 -2.4% YoY	37,100 +2.2% YoY	33,374 +5.7% YoY	Top 9.9% in tier
Assets	$2.5B -0.7% YoY-0.5% QoQ	+$789.8M	$1.7B +0.9% YoY	$523.8M +6.7% YoY	$561.6M +9.7% YoY	Top 14.9% in tier
Loans	$1.9B -2.1% YoY-0.3% QoQ	+$689.9M	$1.2B +0.5% YoY	$367.9M +7.3% YoY	$397.0M +8.8% YoY	Top 11.3% in tier
Deposits	$2.0B +2.2% YoY-0.3% QoQ	+$553.0M	$1.5B +0.9% YoY	$439.0M +5.8% YoY	$477.3M +9.7% YoY	82%

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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	0.8% -8.5% YoY-1.2% QoQ	+0.1%	0.7% +20.9% YoY	1.0% +5.1% YoY	0.7% +15.9% YoY	62%
NIM	4.3% +4.3% YoY+0.5% QoQ	+1.0%	3.3% +9.2% YoY	4.2% +0.5% YoY	3.8% +5.1% YoY	Top 6.3% in tier
Efficiency Ratio	82.3% +2.4% YoY+0.4% QoQ	+8.2%	74.1% -9.5% YoY	76.9% -0.6% YoY	79.7% -3.3% YoY	83%
Delinquency Rate	0.9% +43.5% YoY-1.4% QoQ	+0.0	0.9% +6.2% YoY	1.0% +13.3% YoY	1.3% -2.1% YoY	63%
Loan To Share	95.6% -4.2% YoY-0.1% QoQ	+10.8%	84.8% -0.8% YoY	71.5% -0.9% YoY	67.4% -1.7% YoY	78%
AMR	$25,343 +11.7% YoY+0.9% QoQ	$-4K	$29,428 +2.4% YoY	$16,782 +2.9% YoY	$19,687 +2.0% YoY	34%
CD Concentration	4.0% +7.5% YoY+4.6% QoQ	-25.0%	29.0%	17.8%	19.8%	Bottom 0.8% in tier
Indirect Auto %	11.8% -14.1% YoY-4.9% QoQ	-6.5%	18.3%	5.9%	7.8%	42%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#24 of 123 • Top 18.8% in tier

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

Why This Signature

AMR Growth (YoY): 11.69%

(Tier: 3.31%, National: 4.00%)

better than tier avg

123 of 378 Mid-Market CUs have this signature | 662 nationally

↑ Growing +38 CUs YoY | New qualifier

Concerns (7)

Flatlined Growth

risk

#2 of 12 • Bottom 9.1% 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): -0.71%

(Tier: 6.83%, National: 3.54%)

worse than tier avg

Return on Assets: 0.78%

(Tier: 0.69%, National: 0.67%)

but better than tier avg

12 of 378 Mid-Market CUs have this signature | 59 nationally

→ No prior data (12 CUs now) | New qualifier

Stagnation Risk

risk

#9 of 85 • Bottom 9.5% 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): -10.40%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -2.06%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.91%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

85 of 378 Mid-Market CUs have this signature | 652 nationally

→ No prior data (85 CUs now) | New qualifier

Membership Headwinds

decline

#11 of 85 • Bottom 11.9% in tier

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

Why This Signature

Member Growth (YoY): -10.40%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

85 of 378 Mid-Market CUs have this signature | 652 nationally

→ No prior data (85 CUs now) | New qualifier

Institutional Decline

decline

#5 of 30 • Bottom 13.8% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $2.51B

(Tier: $2.17B, National: $561.61M)

but better than tier avg

Member Growth (YoY): -10.40%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -2.06%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

30 of 378 Mid-Market CUs have this signature | 277 nationally

→ No prior data (30 CUs now) | New qualifier

Credit Quality Pressure

risk

#54 of 211 • Bottom 25.2% in tier

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

Why This Signature

Delinquency Change (YoY): 0.28% points

(Tier: 0.06% points, National: 0.06% points)

worse than tier avg

211 of 378 Mid-Market CUs have this signature | 969 nationally

↓ Shrinking -59 CUs YoY | Rank improving

Efficiency Drag

risk

#70 of 90 • Bottom 77.5% in tier

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

Why This Signature

Efficiency Ratio: 82.25%

(Tier: 73.53%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.07% points

(Tier: 0.12% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -10.40%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

90 of 378 Mid-Market CUs have this signature | 633 nationally

↓ Shrinking -36 CUs YoY | Rank improving

Liquidity Strain

risk

#136 of 166 • Bottom 81.8% in tier

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

Why This Signature

Loan-to-Share Ratio: 95.63%

(Tier: 85.73%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): -2.06%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

166 of 378 Mid-Market CUs have this signature | 439 nationally

↓ Shrinking -7 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 302 peers in tier

Top Strengths (10 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 4.02%

Peer Median: -

#3 of 302 Top 0.7% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 4.26%

Peer Median: -

#19 of 302 Top 6.0% in 1B-3B tier

Fee Income Per Member

profitability

Value: $336.95

Peer Median: -

#20 of 302 Top 6.3% in 1B-3B tier

AMR Growth Rate

growth

Value: 11.69%

Peer Median: -

#21 of 302 Top 6.6% in 1B-3B tier

Total Members

engagement

Value: 155,333

Peer Median: -

#30 of 302 Top 9.6% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.92B

Peer Median: -

#34 of 302 Top 10.9% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.51B

Peer Median: -

#45 of 302 Top 14.6% in 1B-3B tier

Net Worth Ratio

risk

Value: 13.23%

Peer Median: -

#47 of 302 Top 15.2% in 1B-3B tier

Total Deposits

balance_sheet

Value: $2.01B

Peer Median: -

#54 of 302 Top 17.5% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 95.63%

Peer Median: -

#68 of 302 Top 22.2% in 1B-3B tier

Top Weaknesses (7 metrics)

290

Member Growth Rate

growth

Value: -10.40%

Peer Median: -

#290 of 302 Bottom 4.3% in 1B-3B tier

272

Asset Growth Rate

growth

Value: -0.71%

Peer Median: -

#272 of 302 Bottom 10.3% in 1B-3B tier

272

First Mortgage Concentration (%)

balance_sheet

Value: 53.51%

Peer Median: -

#272 of 302 Bottom 10.3% in 1B-3B tier

270

Members Per Employee (MPE)

engagement

Value: 272.037

Peer Median: -

#270 of 302 Bottom 10.9% in 1B-3B tier

263

Loan Growth Rate

growth

Value: -2.06%

Peer Median: -

#263 of 302 Bottom 13.2% in 1B-3B tier

252

Efficiency Ratio

profitability

Value: 82.25%

Peer Median: -

#252 of 302 Bottom 16.9% in 1B-3B tier

232

Deposit Growth Rate

growth

Value: 2.20%

Peer Median: -

#232 of 302 Bottom 23.5% in 1B-3B tier