BlastPoint's Credit Union Scorecard
SOUTH CAROLINA
Charter #1022 · SC
SOUTH CAROLINA has 8 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does SC stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 47.6% in tier
- + Organic Growth Leader: Top 47.6% in tier
- + ROA 0.27% above tier average
- + Net Interest Margin 0.80% above tier average
- + Share Certificate Concentration (%): Top 0.7% in tier
- + Fee Income Per Member: Top 4.6% in tier
- + Total Members: Top 9.5% in tier
- + Total Loans: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 28.2% in tier
- - Shrinking Wallet Share: Bottom 79.7% in tier
- - Efficiency ratio 4.72% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 9.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
156,633
+2.3% YoY+0.8% QoQ
|
+60.6K |
96,048
-2.7% YoY
|
37,268
+3.6% YoY
|
33,913
+5.7% YoY
|
Top 9.8% in tier |
| Assets |
$2.6B
+1.8% YoY+2.3% QoQ
|
+$850.7M |
$1.7B
+0.4% YoY
|
$534.3M
+6.5% YoY
|
$578.3M
+9.0% YoY
|
Top 13.1% in tier |
| Loans |
$1.9B
-0.0% YoY+0.1% QoQ
|
+$712.5M |
$1.2B
+0.2% YoY
|
$369.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
Top 10.1% in tier |
| Deposits |
$2.1B
+3.5% YoY+3.1% QoQ
|
+$608.9M |
$1.5B
+0.5% YoY
|
$450.9M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
83% |
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| ROA |
1.0%
+70.8% YoY+26.2% QoQ
|
+0.3% |
0.7%
+27.6% YoY
|
0.7%
-43.3% YoY
|
0.4%
-39.2% YoY
|
78% |
| NIM |
4.2%
-0.4% YoY-2.6% QoQ
|
+0.8% |
3.4%
+6.2% YoY
|
4.1%
-0.5% YoY
|
3.8%
+4.1% YoY
|
Top 7.2% in tier |
| Efficiency Ratio |
79.4%
-5.2% YoY-3.5% QoQ
|
+4.7% |
74.6%
-3.0% YoY
|
81.4%
+7.0% YoY
|
84.6%
+2.8% YoY
|
69% |
| Delinquency Rate |
0.5%
-11.6% YoY-47.7% QoQ
|
-0.3 |
0.8%
+6.9% YoY
|
0.8%
+19.1% YoY
|
1.2%
+3.4% YoY
|
34% |
| Loan To Share |
92.9%
-3.4% YoY-2.9% QoQ
|
+9.7% |
83.2%
-0.4% YoY
|
69.5%
-0.5% YoY
|
65.6%
-1.4% YoY
|
75% |
| AMR |
$25,541
-0.6% YoY+0.8% QoQ
|
$-4K |
$29,652
+2.3% YoY
|
$16,971
+2.3% YoY
|
$19,920
+1.6% YoY
|
33% |
| CD Concentration |
4.6%
+22.0% YoY+14.9% QoQ
|
-24.2% | 28.8% | 18.0% | 19.8% | Bottom 0.8% in tier |
| Indirect Auto % |
11.2%
-16.0% YoY-4.9% QoQ
|
-6.8% | 18.1% | 5.9% | 7.7% | 41% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)