BlastPoint's Credit Union Scorecard
SOUTH CAROLINA
Charter #1022 · SC
SOUTH CAROLINA has 8 strengths but faces 3 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 53.8% in tier
- + Organic Growth Leader: Top 53.8% in tier
- + ROA 0.16% above tier average
- + Net Interest Margin 0.78% above tier average
- + Share Certificate Concentration (%): Top 1.0% in tier
- + Fee Income Per Member: Top 5.7% in tier
- + Total Loans: Top 9.0% in tier
- + Total Members: Top 10.0% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 34.1% in tier
- - Efficiency ratio 6.94% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 7.7% 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 300 credit unions with $1B-$3B in assets nationally, and 1 of 8 that size in South Carolina.
- Shares and deposits +4.8% year over year ($2.10B in shares and deposits).
- Membership: 157,780 members, +1.7% vs a year ago.
- Delinquency rate 0.60%.
- Return on assets 0.98%.
- Efficiency ratio 79.96% vs a 73.02% peer average.
- Loan-to-share ratio 93.18% vs a 84.71% 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 (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
157,780
+1.7% YoY+0.7% QoQ
|
+60.9K |
96,861
-1.9% YoY
|
38,222
+5.6% YoY
|
34,678
+6.6% YoY
|
Top 10.3% in tier |
| Assets |
$2.6B
+2.9% YoY+0.6% QoQ
|
+$861.8M |
$1.7B
+0.4% YoY
|
$548.9M
+9.6% YoY
|
$593.1M
+10.2% YoY
|
Top 12.7% in tier |
| Loans |
$2.0B
+0.9% YoY+1.6% QoQ
|
+$722.0M |
$1.2B
+0.7% YoY
|
$385.7M
+10.8% YoY
|
$418.6M
+10.1% YoY
|
Top 9.3% in tier |
| Deposits |
$2.1B
+4.8% YoY+1.2% QoQ
|
+$636.2M |
$1.5B
+0.5% YoY
|
$462.6M
+9.2% YoY
|
$504.8M
+10.3% YoY
|
Top 15.0% in tier |
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| ROA |
1.0%
+48.6% YoY-0.9% QoQ
|
+0.2% |
0.8%
+27.6% YoY
|
0.9%
-19.6% YoY
|
1.2%
+121.4% YoY
|
70% |
| NIM |
4.2%
-0.3% YoY+1.1% QoQ
|
+0.8% |
3.4%
+6.6% YoY
|
4.2%
-1.3% YoY
|
3.8%
+2.3% YoY
|
Top 7.0% in tier |
| Efficiency Ratio |
80.0%
-4.2% YoY+0.8% QoQ
|
+6.9% |
73.0%
-2.7% YoY
|
79.7%
+5.8% YoY
|
83.0%
-5.3% YoY
|
79% |
| Delinquency Rate |
0.6%
-19.3% YoY+25.8% QoQ
|
-0.3 |
0.9%
+7.3% YoY
|
1.1%
+14.2% YoY
|
1.3%
+2.6% YoY
|
40% |
| Loan To Share |
93.2%
-3.7% YoY+0.3% QoQ
|
+8.5% |
84.7%
+0.1% YoY
|
70.2%
-0.9% YoY
|
66.4%
-1.4% YoY
|
70% |
| AMR |
$25,706
+1.2% YoY+0.6% QoQ
|
$-4K |
$29,575
+1.5% YoY
|
$17,221
+4.1% YoY
|
$20,028
-0.9% YoY
|
34% |
| CD Concentration |
6.0%
+53.2% YoY+29.8% QoQ
|
-23.1% | 29.1% | 18.3% | 20.0% | Bottom 1.3% in tier |
| Indirect Auto % |
10.6%
-17.5% YoY-5.4% QoQ
|
-7.5% | 18.1% | 6.0% | 7.7% | 39% |
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 (1)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)